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<tr style="page-break-inside: avoid;">
<td id="tx108070_3" style="width: 4%; text-align: left; vertical-align: top;">1.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Reporting entity </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank of Nova Scotia (the Bank) is a chartered bank under the Bank Act (Canada) (the Bank Act). The Bank is a Schedule I bank under the Bank Act and is regulated by the Office of the Superintendent of Financial Institutions (OSFI). The Bank is a global financial services provider offering a diverse range of products and services, including personal, commercial, corporate and investment banking. The head office of the Bank is located at 1709 Hollis Street, Halifax, Nova Scotia, Canada and its executive offices are at 40 Temperance Street, Toronto, Canada. The common shares of the Bank are listed on the Toronto Stock Exchange and the New York Stock Exchange. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
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<tr style="page-break-inside: avoid;">
<td id="tx108070_4" style="width: 4%; text-align: left; vertical-align: top;">2.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Basis of preparation </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Statement of compliance </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">These condensed interim consolidated financial statements were prepared in accordance with IAS 34, Interim Financial Reporting, using the same accounting policies as described in Note 3 of the audited consolidated financial statements in the 2025 Annual Report. </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">These condensed interim consolidated financial statements do not include all of the information required for a complete set of financial statements prepared in accordance with International Financial Reporting Standards (IFRS) as issued by the International Accounting Standards Board (IASB). These condensed interim consolidated financial statements should be read in conjunction with the audited consolidated financial statements in the 2025 Annual Report. </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The condensed interim consolidated financial statements for the quarter ended April 30, 2026 have been approved by the Board of Directors for issue on May 27, 2026. </div></div> <div style="font-family: arial; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Functional and presentation currency </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">These condensed interim consolidated financial statements are presented in Canadian dollars, which is the Bank’s functional currency. All financial information presented in Canadian dollars has been rounded to the nearest million unless otherwise stated. </div></div> <div style="font-family: arial; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Use of estimates and judgements </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The preparation of financial statements requires management to make estimates, assumptions and apply judgements that affect the reported amount of assets and liabilities at the date of the condensed interim consolidated financial statements, and income and expenses during the reporting period. Estimates made by management are based on historical experience and other assumptions that are believed to be reasonable. The areas requiring estimates, assumptions and judgements are consistent with those disclosed in Note 2 of the audited consolidated financial statements in the 2025 Annual Report. While management makes its best estimates and assumptions, actual results could differ from these estimates and assumptions. </div></div> <div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Currently, there continues to be uncertainty surrounding U.S. trade policies and the impact of tariffs as well as geopolitical developments, including the conflict in the Middle East and its impact on global commodity markets. This results in increased measurement uncertainty for estimates used in financial reporting. In particular, the allowance for credit losses, using an expected credit loss approach as required under IFRS 9, is estimated using complex models and incorporates inputs, assumptions, and techniques that require a high degree of judgement and is heavily dependent on the forecast of macroeconomic variables. Due to the ongoing uncertainty surrounding the macroeconomic environment, estimates and valuation models applied based on conditions and information existing as at April 30, 2026 may be significantly different from the actual outcome. </div></div></div> <div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_5" style="width: 4%; text-align: left; vertical-align: top;">3.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Material accounting policies </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">These condensed interim consolidated financial statements should be read in conjunction with the Bank’s audited consolidated financial statements for the year ended October 31, 2025 included in the 2025 Annual Report. </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The material accounting policies used in the preparation of the condensed interim consolidated financial statements are consistent with those as described in Note 3 of the audited consolidated financial statements in the 2025 Annual Report. </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_6" style="width: 4%; text-align: left; vertical-align: top;">4.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Future accounting developments </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">There are no significant updates to the future accounting developments disclosed in Note 4 of the Bank’s audited consolidated financial statements in the 2025 Annual Report. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_7" style="width: 4%; text-align: left; vertical-align: top;">5.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Cash and deposits with financial institutions </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div></div> <div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:68%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31<br/> 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">October 31<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Cash and <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest-bearing</div> deposits with financial institutions</div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,103</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,732</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10,256</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Interest-bearing deposits with financial institutions</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">70,198</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">65,106</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">55,711</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 79,301</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 73,838</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 65,967</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Net of allowances of $3 (January 31, 2026 – $3; October 31, 2025 – $4). </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank is required to maintain balances with central banks, other regulatory authorities and certain counterparties and these amounted to $5,720 million (January 31, 2026 – $5,216 million; October 31, 2025 – $6,759 million) and are included above. </div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:68%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31<br/> 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">October 31<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Cash and <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest-bearing</div> deposits with financial institutions</div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,103</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,732</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10,256</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Interest-bearing deposits with financial institutions</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">70,198</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">65,106</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">55,711</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 79,301</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 73,838</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 65,967</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Net of allowances of $3 (January 31, 2026 – $3; October 31, 2025 – $4). </div></div></td></tr></table>
9103000000
8732000000
10256000000
70198000000
65106000000
55711000000
79301000000
73838000000
65967000000
3000000
3000000
4000000
5720000000
5216000000
6759000000
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_8" style="width: 4%; text-align: left; vertical-align: top;">6.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Investment securities </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table presents the carrying amounts of the Bank’s investment securities per measurement category. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:66%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31<br/> 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">October 31<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Debt investment securities measured at FVOCI</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">125,491</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">117,567</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">123,732</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Debt investment securities measured at amortized cost</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,988</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,452</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">23,722</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity investment securities designated at FVOCI</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">313</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">377</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">398</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity investment securities measured at FVTPL</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,012</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,980</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,073</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Debt investment securities measured at FVTPL</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">23</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">23</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total investment securities</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 149,806</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 142,399</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 149,948</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table> <div style="clear: both; max-height: 0px;"></div> </div> <div style="font-family: arial; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(a) Debt investment securities measured at fair value through other comprehensive income (FVOCI) </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 85%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at April 30, 2026 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cost</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> unrealized<br/> gains</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> unrealized<br/> losses</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal government issued or guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,492</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">107</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">156</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,443</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian provincial and municipal debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,000</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">144</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">151</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,993</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agency debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47,400</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">242</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">552</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47,090</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign government debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">27,698</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">230</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">215</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">27,713</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other debt</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,261</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,252</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">125,851</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">738</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,098</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">125,491</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-size: 1pt;">
<td style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at January 31, 2026 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Cost</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> gains</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal government issued or guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,078</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">218</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">87</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,209</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian provincial and municipal debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21,037</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">281</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">78</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21,240</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agency debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">45,372</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">418</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">485</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">45,305</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign government debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25,766</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">397</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">231</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25,932</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other debt</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,873</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">28</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">20</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,881</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">117,126</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,342</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">901</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">117,567</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-size: 1pt;">
<td style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at October 31, 2025 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Cost</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> gains</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal government issued or guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,815</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">359</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">64</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">23,110</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian provincial and municipal debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20,490</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">430</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">77</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20,843</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agency debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">49,111</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">483</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">558</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">49,036</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign government debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,570</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">358</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">202</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,726</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other debt</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,007</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">31</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">21</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,017</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 122,993</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,661</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 922</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 123,732</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table> <div style="clear: both; max-height: 0px;"></div> </div> <div style="font-family: arial; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(b) Debt investment securities measured at amortized cost </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:44%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31, 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Carrying<br/> value<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Carrying<br/> value<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Carrying<br/> value<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal and provincial government issued or guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,733</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,698</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,663</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,594</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,553</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,467</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agency debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,596</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,114</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14,229</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14,689</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15,178</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15,758</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign government debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,907</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,906</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,935</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,932</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,285</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,281</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate debt</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">274</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">270</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">242</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">237</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">223</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">216</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 21,510</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 21,988</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 22,069</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 22,452</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 23,239</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 23,722</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div> <div style="font-size: 2pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 2pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balances are net of allowances, which are $2 (January 31, 2026 – $1; October 31, 2025 – $1). </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div> <div style="text-align: right; font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-family: arial; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(c) Equity investment securities designated at fair value through other comprehensive income (FVOCI) </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 65%;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at April 30, 2026 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cost</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> unrealized<br/> gains</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> unrealized<br/> losses</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Common shares</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">154</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">160</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">313</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">154</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">160</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">313</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-size: 1pt;">
<td style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at January 31, 2026 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Cost</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> gains</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Common shares</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">154</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">224</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">377</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">154</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">224</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">377</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-size: 1pt;">
<td style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at October 31, 2025 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Cost</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> gains</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Common shares</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">178</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">221</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">398</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 178</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 221</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 398</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table> <div style="clear: both; max-height: 0px;"></div> </div> <div style="font-family: arial; font-size: 8pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Dividend income earned on equity securities designated at FVOCI of $8 million for the three months ended April 30, 2026 (January 31, 2026 – $0.1 million; April 30, 2025 – $9 million) and for the six months ended April 30, 2026 – $8 million (April 30, 2025 – $45 million) has been recognized in interest income. </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">During the three months ended April 30, 2026, the Bank has disposed of certain equity securities designated at FVOCI with a fair value of $87 million (January 31, 2026 – $nil; April 30, 2025 – $2 million) and for the six months ended April 30, 2026 – $87 million (April 30, 2025 – $1,814 million) for economic reasons and according to its investment strategy. This has resulted in a realized gain of $87 million in the three months ended April 30, 2026 (January 31, 2026 – $nil; April 30, 2025 – $0.02 million) and for the six months ended April 30, 2026 – realized gain of $87 million (April 30, 2025 – $539 million). </div></div>
<div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table presents the carrying amounts of the Bank’s investment securities per measurement category. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:66%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31<br/> 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">October 31<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Debt investment securities measured at FVOCI</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">125,491</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">117,567</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">123,732</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Debt investment securities measured at amortized cost</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,988</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,452</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">23,722</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity investment securities designated at FVOCI</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">313</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">377</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">398</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity investment securities measured at FVTPL</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,012</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,980</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,073</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Debt investment securities measured at FVTPL</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">23</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">23</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total investment securities</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 149,806</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 142,399</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 149,948</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table>
125491000000
117567000000
123732000000
21988000000
22452000000
23722000000
313000000
377000000
398000000
2012000000
1980000000
2073000000
2000000
23000000
23000000
149806000000
142399000000
149948000000
<div style="font-family: arial; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(a) Debt investment securities measured at fair value through other comprehensive income (FVOCI) </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 85%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at April 30, 2026 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cost</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> unrealized<br/> gains</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> unrealized<br/> losses</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal government issued or guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,492</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">107</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">156</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,443</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian provincial and municipal debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,000</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">144</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">151</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,993</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agency debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47,400</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">242</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">552</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47,090</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign government debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">27,698</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">230</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">215</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">27,713</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other debt</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,261</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,252</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">125,851</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">738</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,098</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">125,491</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-size: 1pt;">
<td style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at January 31, 2026 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Cost</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> gains</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal government issued or guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,078</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">218</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">87</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,209</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian provincial and municipal debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21,037</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">281</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">78</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21,240</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agency debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">45,372</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">418</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">485</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">45,305</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign government debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25,766</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">397</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">231</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25,932</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other debt</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,873</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">28</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">20</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,881</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">117,126</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,342</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">901</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">117,567</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-size: 1pt;">
<td style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at October 31, 2025 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Cost</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> gains</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal government issued or guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,815</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">359</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">64</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">23,110</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian provincial and municipal debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20,490</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">430</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">77</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20,843</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agency debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">49,111</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">483</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">558</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">49,036</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign government debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,570</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">358</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">202</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,726</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other debt</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,007</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">31</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">21</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,017</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 122,993</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,661</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 922</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 123,732</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table>
23492000000
107000000
156000000
23443000000
24000000000
144000000
151000000
23993000000
47400000000
242000000
552000000
47090000000
27698000000
230000000
215000000
27713000000
3261000000
15000000
24000000
3252000000
125851000000
738000000
1098000000
125491000000
22078000000
218000000
87000000
22209000000
21037000000
281000000
78000000
21240000000
45372000000
418000000
485000000
45305000000
25766000000
397000000
231000000
25932000000
2873000000
28000000
20000000
2881000000
117126000000
1342000000
901000000
117567000000
22815000000
359000000
64000000
23110000000
20490000000
430000000
77000000
20843000000
49111000000
483000000
558000000
49036000000
27570000000
358000000
202000000
27726000000
3007000000
31000000
21000000
3017000000
122993000000
1661000000
922000000
123732000000
<div style="font-family: arial; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(b) Debt investment securities measured at amortized cost </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:44%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31, 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Carrying<br/> value<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Carrying<br/> value<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Carrying<br/> value<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal and provincial government issued or guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,733</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,698</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,663</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,594</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,553</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,467</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agency debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,596</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,114</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14,229</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14,689</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15,178</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15,758</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign government debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,907</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,906</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,935</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,932</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,285</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,281</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate debt</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">274</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">270</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">242</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">237</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">223</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">216</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 21,510</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 21,988</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 22,069</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 22,452</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 23,239</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 23,722</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div> <div style="font-size: 2pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 2pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balances are net of allowances, which are $2 (January 31, 2026 – $1; October 31, 2025 – $1). </div></div></td></tr></table>
5733000000
5698000000
5663000000
5594000000
5553000000
5467000000
13596000000
14114000000
14229000000
14689000000
15178000000
15758000000
1907000000
1906000000
1935000000
1932000000
2285000000
2281000000
274000000
270000000
242000000
237000000
223000000
216000000
21510000000
21988000000
22069000000
22452000000
23239000000
23722000000
2000000
1000000
1000000
<div style="font-family: arial; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(c) Equity investment securities designated at fair value through other comprehensive income (FVOCI) </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 65%;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at April 30, 2026 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cost</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> unrealized<br/> gains</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> unrealized<br/> losses</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Common shares</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">154</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">160</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">313</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">154</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">160</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">313</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-size: 1pt;">
<td style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at January 31, 2026 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Cost</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> gains</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Common shares</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">154</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">224</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">377</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">154</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">224</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">377</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-size: 1pt;">
<td style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td>
<td colspan="4" style="height: 6pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at October 31, 2025 ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Cost</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> gains</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> unrealized<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Common shares</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">178</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">221</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">398</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 178</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 221</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 398</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table>
154000000
160000000
1000000
313000000
154000000
160000000
1000000
313000000
154000000
224000000
1000000
377000000
154000000
224000000
1000000
377000000
178000000
221000000
1000000
398000000
178000000
221000000
1000000
398000000
8000000
100000
9000000
8000000
45000000
87000000
0
2000000
87000000
1814000000
87000000
0
20000.00
87000000
539000000
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_9" style="width: 4%; text-align: left; vertical-align: top;">7.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Loans, impaired loans and allowance for credit losses </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(a) Loans at amortized cost </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:71%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> carrying<br/> amount</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Allowance<br/> for credit<br/> losses</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Net<br/> carrying<br/> amount</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 368,495</td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 1,450</td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 367,045</td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">108,355</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,254</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">106,101</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,040</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,874</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">271,694</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,280</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">269,414</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">764,584</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,150</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">757,434</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width: 41%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31, 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">368,619</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,439</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">367,180</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">370,191</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,460</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">368,731</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">107,579</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,216</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">105,363</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">110,567</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,432</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">108,135</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">16,112</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,215</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14,897</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,045</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,355</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">16,690</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">270,167</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,132</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">268,035</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">279,705</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,216</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">277,489</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 762,477</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 7,002</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 755,475</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 778,508</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 7,463</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 771,045</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table> <div style="clear: both; max-height: 0px;"></div> </div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-family: arial; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(b) Impaired loans<div style="font-size: 75%; vertical-align: top;display:inline;font-size:8.3px">(1)</div> </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width: 72%;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> impaired<br/> loans</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Allowance<br/> for credit<br/> losses</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Net<br/> carrying<br/> amount</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,904</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">841</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,063</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">975</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">566</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">409</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,729</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,728</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,608</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,408</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,200</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">By geography:</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 2%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canada</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,798</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">796</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,002</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">United States</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">124</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">111</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Mexico</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,515</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">570</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">945</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Peru</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">739</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">367</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">372</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Chile</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,452</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">344</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,108</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other international</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">980</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">318</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">662</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,608</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,408</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,200</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width: 48%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31, 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> impaired<br/> loans</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> impaired<br/> loans</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,955</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">834</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,121</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,903</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">840</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,063</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,063</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">570</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">493</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,071</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">604</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">467</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,230</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">883</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,347</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,270</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">897</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,373</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">7,248</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,287</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">4,961</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">7,244</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,341</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">4,903</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">By geography:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canada</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,674</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">786</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,888</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,416</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">683</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,733</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">United States</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">158</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">141</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Mexico</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,533</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">554</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">979</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,494</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">535</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">959</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Peru</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">778</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">383</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">395</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">823</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">400</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">423</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Chile</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,516</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">351</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,420</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">332</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,088</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other international</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">589</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">196</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">393</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,091</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">391</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">700</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">7,248</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,287</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">4,961</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">7,244</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,341</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">4,903</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div> <div style="font-size: 2pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 2pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
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<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income recognized on impaired loans during the three months ended April 30, 2026 was $29 (January 31, 2026 – $28; October 31, 2025 – $23). </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(c) Allowance for credit losses </div></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 10.5pt; border-collapse: collapse; border-spacing: 0;">
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<td style="width: 3%; text-align: left; vertical-align: top;">(i)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 10.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 10.5pt; letter-spacing: 0px; top: 0px;display:inline;">Key inputs and assumptions </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank’s allowance for credit losses is measured using a three-stage approach based on the extent of credit deterioration since origination. The calculation of the Bank’s allowance for credit losses is an output of a set of complex models with a number of underlying assumptions regarding the choice of variable inputs and their interdependencies. Some of the key drivers include the following: </div></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 8pt; border-collapse: collapse; border-spacing: 0;">
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<td style="width: 4%;"> </td>
<td style="width: 2%; text-align: left; vertical-align: top;">•</td>
<td style="width: 1%; vertical-align: top;"> </td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in risk ratings of the borrower or instrument reflecting changes in their credit quality; </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 8pt; border-collapse: collapse; border-spacing: 0;">
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<td style="width: 4%;"> </td>
<td style="width: 2%; text-align: left; vertical-align: top;">•</td>
<td style="width: 1%; vertical-align: top;"> </td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in the volumes of transactions; </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 8pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 2%; text-align: left; vertical-align: top;">•</td>
<td style="width: 1%; vertical-align: top;"> </td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in the forward-looking macroeconomic environment reflected in the variables used in the models such as GDP growth, unemployment rates, commodity prices, interest rates, and house price indices, which are closely related with credit losses in the relevant portfolio; </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 8pt; border-collapse: collapse; border-spacing: 0;">
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<td style="width: 4%;"> </td>
<td style="width: 2%; text-align: left; vertical-align: top;">•</td>
<td style="width: 1%; vertical-align: top;"> </td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in macroeconomic scenarios and the probability weights assigned to each scenario; and </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 8pt; border-collapse: collapse; border-spacing: 0;">
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<td style="width: 4%;"> </td>
<td style="width: 2%; text-align: left; vertical-align: top;">•</td>
<td style="width: 1%; vertical-align: top;"> </td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Borrower migration between the three stages. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank determines its allowance for credit losses using four probability-weighted forward-looking scenarios (base case, optimistic, pessimistic and very pessimistic). </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank considers both internal and external sources of information and data to achieve unbiased projections and forecasts in determining the allowance for credit losses. The Bank prepares the scenarios using forecasts generated by Scotiabank Economics (SE). The forecasts are generated using models whose outputs are modified by SE as necessary to formulate a ‘base case’ view of the most probable future direction of economic developments. The development of the base case and alternative scenarios is overseen by a governance committee that consists of internal stakeholders from across the Bank. The final base case and alternative scenarios reflect significant review and oversight, and incorporate judgement both in the determination of the scenarios’ forecasts and the probability weights that are assigned to them. </div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="text-align: right; font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 10.5pt; border-collapse: collapse; border-spacing: 0;">
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<td style="width: 3%; text-align: left; vertical-align: top;">(ii)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: arial; font-size: 10.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 10.5pt; letter-spacing: 0px; top: 0px;display:inline;">Key macroeconomic variables </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The inputs and models used for calculating expected credit losses may not always capture all characteristics of the market at the date of the financial statements. Qualitative adjustments or overlays may be made for certain portfolios or geographies as temporary adjustments in circumstances where, in the Bank’s view, the inputs, assumptions, and/or modelling techniques do not capture all relevant risk factors, including the emergence of economic or geopolitical events, up to the date of the financial statements. As required under IFRS 9, the allowance for credit losses at each reporting period must be based on inputs, assumptions and information available up to that date. </div></div></div> <div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank has generated a forward-looking base case scenario and three alternative forward-looking scenarios (one optimistic and two pessimistic) as key inputs into the expected loss provisioning models. Given the uncertainty surrounding U.S. trade policies and the direction of tariffs, the scenarios as of April 30, 2026 have varying assumptions of imposed tariffs. The base case scenario assumes tariffs announced and implemented, avoiding speculation on future announcements, including potential trade deals and tariff pauses. Differing assumptions are reflected in the alternative scenarios described below. As new information comes to light in the future, the scenarios and assumptions will be updated accordingly. </div></div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The war in Iran since the end of February contributed to lift oil prices and uncertainty significantly, adding economic headwinds to those already generated by increased trade frictions imposed by the U.S. since early 2025. Our base case working assumptions are that the situation in the Middle East will start improving around mid-2026, and oil prices will start declining gradually thereafter, although expected to stay above previous baseline levels over the forecast period. The impact from this war on Canada’s economic activity is largely neutral as positive wealth inflows from its net oil exporter status, are offset by increased uncertainty and tighter financial conditions. In our current base case, Canada’s economic growth is expected to slow from 2025 to 2026 as the economy continues to adjust to the higher tariff landscape and softer economic and labour market conditions early in the year. Canada’s economy strengthens in 2027, supported by fading negative trade effects and fiscal policy initiatives, notably on defense and infrastructure. U.S. economic growth is also expected to slow modestly from 2025 to 2026 with reduced support to household and business expenditures from equity markets and weaker consumption from a soft labour market. Stronger inflation pressures in both economies, including from higher oil prices, are forecast to lead to a higher expected profile for their monetary policy rate in 2026, and also 2027 in the case of the U.S. </div></div></div> <div style="letter-spacing: 0px; top: 0px; background: none;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px; background: none; text-decoration: none;display:inline;"> </div></div> <div style="letter-spacing: 0px; top: 0px; background: none;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px; background: none; text-decoration: none;display:inline;"> </div></div> <div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;">The optimistic scenario features somewhat stronger economic activity relative to the base case. The pessimistic scenario features a negative demand-type shock with globally tighter financial conditions, weaker growth and inflation, and lower monetary policy rates than in the base case scenario. It also assumes a combination of U.S. imposed tariffs on world economies, including an effective tariff</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> of</div></div><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div>7.5<div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">%</div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">on imports from Canada and Mexico, while facing no retaliation from these countries. The very pessimistic scenario features a strong stagflationary impulse that leads to a protracted period of financial market uncertainty. Ongoing geopolitical events in Iran also contribute to this stagflation impulse through higher prices for oil and other commodities. This scenario also assumes U.S. imposed tariffs with a magnitude about three times that of the pessimistic scenario. Under this scenario, all countries retaliate. This results in higher inflation, requiring central banks to raise their policy rates to higher levels than in the base case in order to bring inflation under control, which will dampen economic activity. </div></div></div> <div style="letter-spacing: 0px; top: 0px; background: none;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px; background: none; text-decoration: none;display:inline;"> </div></div> <div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following tables show certain key macroeconomic variables used to calculate the modelled estimate for the allowance for credit losses. Further changes in these variables up to the date of the financial statements are incorporated through expert credit judgement. For the base case, optimistic and pessimistic scenarios, the projections are provided for the next 12 months and for the remaining forecast period, which represents a medium-term view. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
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<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Optimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Pessimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Very Pessimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canada</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-4.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Consumer price index, y/y %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Bank of Canada overnight rate target, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">HPI - Housing Price Index, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-0.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-5.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-8.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">USD/CAD exchange rate, average</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.34</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.30</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.33</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.28</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.40</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.28</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.48</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.30</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S.</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-3.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Consumer price index, y/y %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Target federal funds rate, upper limit, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Mexico</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">0.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-4.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Chile</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">0.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-4.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Peru</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">0.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-0.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Caribbean</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-0.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Global</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">WTI oil price, average USD/bbl</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">85</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">69</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">89</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">83</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">74</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">63</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">130</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">74</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Copper price, average USD/lb</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.39</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.86</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.51</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.38</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.99</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.74</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.41</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.72</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Global GDP, y/y % change</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.4</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">0.3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.4</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-2.3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.9</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 39%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
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<td style="width: 2%; vertical-align: bottom;"></td>
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<td style="width: 2%; vertical-align: bottom;"></td>
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<td></td>
<td style="width: 3%; vertical-align: bottom;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Base Case Scenario</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Optimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Pessimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Very Pessimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at January 31, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canada</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-1.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-4.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Consumer price index, y/y %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Bank of Canada overnight rate target, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">HPI - Housing Price Index, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-0.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-3.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">USD/CAD exchange rate, average</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.35</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.31</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.34</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.30</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.41</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.30</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.50</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.31</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S.</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-0.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Consumer price index, y/y %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Target federal funds rate, upper limit, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Mexico</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">0.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-1.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-4.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Chile</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">0.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Peru</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">0.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-0.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Caribbean</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
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<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-1.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Global</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
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<td style="vertical-align: bottom;"> </td>
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<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
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<td style="vertical-align: bottom; font-family: arial;"></td>
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<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">WTI oil price, average USD/bbl</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">60</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">61</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">63</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">72</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">52</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">56</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">45</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">51</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Copper price, average USD/lb</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.75</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.09</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.85</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.49</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.42</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.00</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.08</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.85</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Global GDP, y/y % change</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2.5</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.6</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">0.5</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">-2.1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.8</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="text-align: right; font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 39%;"></td>
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<td></td>
<td></td>
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<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
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<td></td>
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<td style="vertical-align: bottom;"></td>
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<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Base Case Scenario</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Optimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Pessimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Very Pessimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at October 31, 2025</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canada</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-1.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-4.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Consumer price index, y/y %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Bank of Canada overnight rate target, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">HPI - Housing Price Index, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-2.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-5.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">USD/CAD exchange rate, average</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.32</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.30</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.31</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.29</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.37</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.29</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.45</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.30</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S.</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-1.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Consumer price index, y/y %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Target federal funds rate, upper limit, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Mexico</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-0.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">0.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-5.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Chile</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">0.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Peru</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">0.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-1.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Colombia</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">0.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-1.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Caribbean</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-0.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Global</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">WTI oil price, average USD/bbl</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">60</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">66</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">64</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">78</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">53</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">61</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">45</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">56</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Copper price, average USD/lb</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.19</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.68</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.29</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.03</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.92</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.60</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.61</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.47</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Global GDP, y/y % change</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2.2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2.7</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.0</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">0.3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">-2.2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.7</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table> <div style="clear: both; max-height: 0px;"></div> </div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 10.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(iii)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 10.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 10.5pt; letter-spacing: 0px; top: 0px;display:inline;">Sensitivity </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Relative to the base case scenario, the weighting of these multiple scenarios increased the reported allowance for credit losses for financial assets in Stage 1 and Stage 2 to $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">4,936</div></div> million (January 31, 2026 – $4,898 million; October 31, 2025 – $5,313 million) from $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">4,644</div></div> million (January 31, 2026 – $4,598 million; October 31, 2025 – $5,018 million). </div></div><div style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:8pt; font-family:arial">The Bank enhanced certain of its IFRS 9 models in the prior year, with the enhanced models exhibiting higher sensitivity to changes in the macroeconomic outlook. If the Bank was to apply a probability weighted average of its two pessimistic scenarios for the measurement of allowance for credit losses for such assets, the allowance for credit losses on performing financial instruments would be $591 million higher than the reported allowance for credit losses as at April 30, 2026 (January 31, 2026 – $607 million; October 31, 2025 – $786 million), excluding the consideration of changes in qualitative overlays or expert credit judgement. Actual results will differ as this does not consider the migration of exposures or incorporate changes that would occur in the portfolio due to risk mitigation actions and other factors. </div><div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Under our current probability-weighted scenarios, if all performing financial assets were in Stage 1, reflecting a 12 month expected loss period, the allowance for credit losses would be $807 million (January 31, 2026 – $753 million; October 31, 2025 – $801 million) lower than the reported allowance for credit losses on performing financial assets. </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 10.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(iv)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 10.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 10.5pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><br/></div> <div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:55%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td colspan="20" style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div></div></td>
<td style="vertical-align: top;"><div style="text-indent: 0em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Balance as at</div></div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">November 1,</div></div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2025</div></div></div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Provision<br/>for<br/>credit losses<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Net write-<br/>offs</div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Other, including<br/>foreign currency<br/>adjustment</div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Balance as at<br/>April 30,<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,460</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">133</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(61</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(82</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,450</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,432</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">954</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(841</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(291</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,254</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,355</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">625</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(625</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(189</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,392</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">686</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(380</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(242</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,456</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 55%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">7,639</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 2,398</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> (1,907</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> (804</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 7,326</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Presented as:</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on loans</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,463</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,150</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on acceptances<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> <div style="display:inline;">175</div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">175</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Excludes amounts associated with other assets of $(5). The provision for credit losses, net of these amounts, is $<div style="font-size:7.5pt;font-family:"Arial Narrow",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:"Times New Roman";mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">2,393</div></div>. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:55%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Balance as at</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">November 1,</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2024</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">for</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">credit losses<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net write-</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">offs</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other, including</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">foreign currency</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">adjustment</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Balance as at</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">April 30,</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2025</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,208</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">205</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(40</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 4%;">) </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,378</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,319</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,080</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(930</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 4%;">) </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(90</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;">) </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,379</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,160</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">722</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(647</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 4%;">) </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,235</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,036</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">571</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(268</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 4%;">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(71</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,268</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 55%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 6,723</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 2,578</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> (1,885</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 4%;">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> (156</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 7,260</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Presented as:</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on loans</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,536</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,084</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on acceptances<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 186</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">175</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Excludes amounts associated with other assets and reversal of impairment losses of $(18). The provision for credit losses, net of these amounts, is $2,560. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:67%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Allowance for credit losses on loans</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">190</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">419</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">841</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,450</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">558</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,130</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">566</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,254</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">250</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">916</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">704</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">575</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,280</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,702</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,040</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,408</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,150</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Excludes allowance for credit losses of $194 for other financial assets including acceptances, investment securities, deposits with banks, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet credit risks and reverse repos. </div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 67%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">196</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">424</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">840</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,460</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">613</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,215</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">604</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,432</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">338</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,017</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,355</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">713</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">606</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">897</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,216</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,860</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 3,262</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,341</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 7,463</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Excludes allowance for credit losses of $191 for other financial assets including acceptances, investment securities, deposits with banks, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet credit risks and reverse repos. </div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 67%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at April 30, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">178</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">452</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">748</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,378</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">534</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,228</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">617</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,379</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">292</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">943</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,235</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">667</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">589</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">836</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,092</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,671</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 3,212</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,201</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 7,084</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Excludes allowance for credit losses of $192 for other financial assets including acceptances, investment securities, deposits with banks, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet credit risks and reverse repos. </div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="clear: both; max-height: 0px;"></div><div style="text-align: right; font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="text-indent: 3%; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table presents the changes to the allowance for credit losses on loans. </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 7.5pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 57%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 7pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="30" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at and for the three months ended</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 7pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">April 30, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 7pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Retail loans:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">194</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">411</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">834</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,439</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">160</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">409</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">711</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,280</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(65</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">45</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">84</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">64</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(41</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">66</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">112</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">137</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(7</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(9</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">66</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(59</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">63</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(49</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(14</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">64</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(54</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(13</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">65</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(52</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(24</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(24</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">24</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(38</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(38</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(28</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(28</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(8</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(9</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(19</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">190</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">419</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">841</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,450</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">178</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">452</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">748</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,378</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">535</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,111</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">570</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,216</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">554</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,225</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">647</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,426</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(144</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">234</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">351</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">441</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(166</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">317</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">371</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">522</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">93</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">93</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">93</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">93</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(22</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(26</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(48</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(20</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(35</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(55</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(32</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(3</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(28</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">141</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(138</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">161</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(157</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(4</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(40</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">70</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(30</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(48</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">77</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(29</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(107</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">108</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(122</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">124</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(495</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(495</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(517</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(517</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">72</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">72</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(4</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(14</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(26</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(45</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(45</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(44</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(134</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">558</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,130</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">566</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,254</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">534</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,228</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">617</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,379</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">257</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">958</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,215</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">295</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">890</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,185</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(67</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">146</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">195</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">274</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(70</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">235</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">225</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">390</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">19</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">19</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">26</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">26</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(10</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(9</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(19</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">74</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(74</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">95</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(95</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(20</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(30</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">30</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(113</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">113</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(94</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">94</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(358</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(358</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(365</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(365</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">49</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">49</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(4</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(11</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(14</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(14</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(14</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(31</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">250</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">916</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">292</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">943</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,235</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Total retail loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">986</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,480</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,404</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,870</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,009</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,524</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,358</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,891</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(276</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">425</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">630</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">779</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(277</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">618</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">708</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,049</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">122</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">122</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">132</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">132</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(33</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(44</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(77</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(32</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(51</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(83</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(32</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(3</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(28</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">281</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(271</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">319</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(301</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(18</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(70</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">154</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(84</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(91</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">172</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(81</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(244</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">245</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(240</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">242</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(891</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(891</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(910</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(910</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">126</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">126</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">125</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">125</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(11</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(35</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(13</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(59</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(61</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(67</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(56</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(184</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 998</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,465</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,407</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 4,870</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,004</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,623</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,365</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 4,992</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-retail</div> loans:</div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">784</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">635</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">883</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,302</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">790</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">551</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">832</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,173</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(24</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">112</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">343</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">431</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">123</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">211</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">343</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">348</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">348</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">317</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">317</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(292</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(90</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(387</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(296</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(26</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(11</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(333</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(28</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">38</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(38</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(11</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(16</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(1</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(5</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;">Gross write-offs</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(208</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(208</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(163</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(163</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(4</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(5</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(37</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(46</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(21</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(12</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(54</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(87</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Balance at end of period including <div style="white-space: nowrap;display:inline;">off-balance</div> sheet exposures</div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">829</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">625</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,455</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">820</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">611</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">836</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,267</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Less: Allowance for credit losses on <div style="white-space: nowrap;display:inline;">off-balance</div> sheet exposures<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(2)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(125</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(50</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(175</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(153</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(22</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(175</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Balance at end of period<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(2)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">704</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">575</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,280</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">667</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">589</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">836</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,092</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear: both; max-height: 0px;"></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 7.5pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 50%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td> </tr>
<tr style="font-family: arial; font-size: 7pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="30" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at and for the six months ended</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 7pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">April 30, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 7pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Retail loans:</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">196</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">424</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">840</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,460</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">165</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">398</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">645</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,208</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(127</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">88</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">174</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">135</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(99</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">102</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">201</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">204</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(23</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(4</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(13</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(17</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(14</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(7</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">134</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(117</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(17</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">116</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(92</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(24</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(20</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">128</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(108</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(23</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">120</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(97</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(50</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(49</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">49</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(72</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(72</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(52</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(52</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(2)</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(35</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(37</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(82</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">5</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">5</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">190</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">419</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">841</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,450</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">178</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">452</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">748</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,378</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">613</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,215</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">604</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,432</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">544</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,154</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">621</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,319</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(307</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">462</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">725</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">880</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(328</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">596</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">761</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,029</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">175</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">175</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">194</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">194</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(43</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(58</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(101</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(43</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(76</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(119</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(29</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(24</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">293</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(287</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">311</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(303</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(8</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(80</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">136</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(56</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(106</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">162</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(56</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(224</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">226</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(4</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(246</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">250</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(984</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(984</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(1,075</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(1,075</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">143</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">143</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">145</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">145</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(2)</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(91</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(114</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(86</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(291</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(34</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(30</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(26</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(90</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">558</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,130</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">566</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,254</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">534</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,228</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">617</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,379</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">338</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,017</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,355</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">288</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">872</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,160</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(139</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">343</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">413</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">617</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(151</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">403</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">464</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">716</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">58</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">58</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(17</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(15</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(32</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(23</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(20</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(43</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(7</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(9</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">154</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(154</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">183</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(183</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(47</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(57</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">57</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(211</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">211</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(182</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">182</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(733</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(733</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(738</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(738</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">108</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">108</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">91</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">91</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(2)</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(79</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(111</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(189</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(4</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">250</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">916</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">292</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">943</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,235</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Total retail loans</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,147</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,656</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,444</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 5,247</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">997</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,424</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,266</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,687</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(573</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">893</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,312</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,632</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(578</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,101</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,426</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,949</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">236</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">236</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">277</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">277</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(64</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(92</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(156</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(70</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(109</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(179</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(4</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(50</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(40</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">581</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(558</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(23</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">610</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(578</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(32</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(147</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">311</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(164</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(186</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">339</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(153</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(485</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">487</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(4</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(477</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">481</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,789</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,789</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(1,865</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(1,865</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">262</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">262</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">248</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">248</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(2)</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(180</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(260</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(122</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(562</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(38</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(27</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(20</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(85</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">998</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,465</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,407</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,870</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,004</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,623</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,365</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 4,992</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-retail</div> loans:</div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">854</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">640</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">897</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,391</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">739</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">508</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">788</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,035</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(79</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">226</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">603</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">750</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">190</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">390</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">578</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">681</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">681</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">675</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">675</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(590</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(151</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(749</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(611</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(53</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(19</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(683</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">54</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(54</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">63</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(63</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(30</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(38</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">41</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(3</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(25</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(10</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;">Gross write-offs</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(406</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(406</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(303</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(303</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">26</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">26</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">35</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">35</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(2)</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(61</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(41</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(136</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(238</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(4</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(64</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(70</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Balance at end of period including <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures</div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">829</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">625</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,455</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">820</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">611</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">836</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,267</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Less: Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(3)</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(125</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(50</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(175</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(153</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(22</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(175</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(3)</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">704</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">575</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,280</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">667</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">589</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">836</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,092</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes impact of divested operations. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="text-align: right; font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 10.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(d)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: arial; font-size: 10.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 10.5pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value of exposures by risk rating </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:31%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Residential<br/> mortgages</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">221,008</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,591</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">224,599</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">219,905</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,983</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">223,888</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">84,108</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,138</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">88,246</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">83,755</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,820</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">88,575</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Medium</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,854</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,185</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,039</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15,870</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,618</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">24,488</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">High</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,307</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,913</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,220</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,002</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,007</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,009</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very high</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,959</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,967</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">48</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,170</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,218</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,840</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">680</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,520</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">16,937</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,173</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,110</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,904</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,904</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,903</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,903</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">339,125</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">26,466</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,904</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">368,495</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">339,517</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,771</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,903</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">370,191</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">190</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">419</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">841</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,450</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">196</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">424</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">840</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,460</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 338,935</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 26,047</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 2,063</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 367,045</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 339,321</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 27,347</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,063</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 368,731</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3 includes purchased or originated credit-impaired loans. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:27%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Personal loans</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30,851</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">180</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">31,031</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">31,009</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">202</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">31,211</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,954</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">700</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,654</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21,075</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">751</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21,826</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Medium</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,818</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">44</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,862</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12,886</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">78</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12,964</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">High</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,569</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,453</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,022</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10,331</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,659</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15,990</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very high</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,274</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,315</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">35</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,651</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,686</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,101</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,395</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,496</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,465</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,354</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">24,819</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">975</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">975</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,071</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,071</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 96,334</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 11,046</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 975</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 108,355</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">97,801</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,695</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,071</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">110,567</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">558</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,130</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">566</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,254</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">613</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,215</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">604</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,432</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">95,776</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,916</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">409</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">106,101</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 97,188</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 10,480</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 467</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 108,135</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3 includes purchased or originated credit-impaired loans. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:33%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Credit cards</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Stage 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,517</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,518</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,646</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,648</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,022</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,030</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,171</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,182</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Medium</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,295</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,307</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,792</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">26</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,818</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">High</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,992</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,723</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,715</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,210</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,942</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,152</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very high</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,098</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,105</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,204</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,224</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">912</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">453</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,365</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">582</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">439</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,021</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,745</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,295</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,040</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14,421</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,624</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,045</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">250</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">916</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">338</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,017</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,355</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 12,495</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 2,379</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> –</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 14,874</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 14,083</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,607</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> –</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 16,690</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div> <div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 31%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; font-size: 10pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Undrawn loan<br/>commitments –<br/>Retail</div></div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at October 31, 2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades<br/></div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">133,523</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">236</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">133,759</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">126,681</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">255</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">126,936</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,726</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,782</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,102</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">71</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,173</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Medium</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,388</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,393</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,569</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,582</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">High</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,094</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">423</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,517</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,047</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">631</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,678</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very high</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">287</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">291</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">351</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">365</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,663</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,085</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,748</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,039</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,049</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,088</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 172,398</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 3,092</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> –</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 175,490</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 171,452</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 3,370</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> –</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 174,822</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:31%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Total retail loans</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">387,899</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,008</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">391,907</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">380,241</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,442</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">384,683</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">128,810</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,902</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">133,712</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">130,103</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,653</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">135,756</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Medium</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40,355</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,246</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49,601</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">43,117</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,735</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">51,852</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">High</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,962</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,512</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28,474</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20,590</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14,239</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">34,829</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very high</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,618</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,678</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">117</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,376</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,493</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,516</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,613</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">54,129</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">49,023</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,015</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">55,038</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,879</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,879</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,974</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,974</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">620,602</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">43,899</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,879</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">668,380</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">623,191</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">46,460</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,974</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">673,625</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">998</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,465</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,407</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,870</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,147</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,656</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,444</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">5,247</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 619,604</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 41,434</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 2,472</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 663,510</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 622,044</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 43,804</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,530</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 668,378</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3 includes purchased or originated credit-impaired loans. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:31%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Business and<br/> government loans</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Grade </div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment grade</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">137,139</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">523</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">137,662</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">138,789</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,482</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">140,271</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-investment</div> grade</div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">117,758</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,761</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">123,519</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">121,999</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,169</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">129,168</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Watch list</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,107</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,113</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,468</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,475</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,647</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,671</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,485</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">36</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,521</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,729</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,729</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,270</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,270</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">257,550</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 10,415</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,729</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">271,694</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">263,280</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13,155</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,270</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">279,705</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">704</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">575</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,280</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">713</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">606</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">897</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,216</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 256,846</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">9,840</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 2,728</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 269,414</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 262,567</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 12,549</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,373</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 277,489</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3 includes purchased or originated credit-impaired loans. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width: 28%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Undrawn loan<br/> commitments –<br/> Business and<br/> government</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Grade </div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment grade</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">248,402</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,191</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">249,593</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">242,637</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,101</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">243,738</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-investment</div> grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">57,904</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,826</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">59,730</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">60,136</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,841</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">61,977</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Watch list</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,018</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,018</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,007</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,007</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,699</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,700</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,593</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,594</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">31</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">31</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">311,005</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,036</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">315,090</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">307,366</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,950</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">31</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">311,347</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">125</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">175</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">141</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">34</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">175</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 310,880</div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 3,986</div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 49</div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 314,915</div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 307,225</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 3,916</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 31</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 311,172</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3 includes purchased or originated credit-impaired loans. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 31%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Total <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-retail</div><br/> loans</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Grade</div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment grade</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">385,541</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,714</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">387,255</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">381,426</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,583</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">384,009</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-investment</div> grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">175,662</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,587</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">183,249</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">182,135</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,010</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">191,145</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Watch list</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,125</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,131</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,475</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,482</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,346</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,371</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,078</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">37</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,115</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,778</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,778</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,301</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,301</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">568,555</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,451</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,778</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">586,784</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">570,646</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17,105</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,301</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">591,052</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">829</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">625</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,455</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">854</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">640</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">897</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,391</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 567,726</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 13,826</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,777</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 584,329</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 569,792</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 16,465</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,404</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 588,661</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3 includes purchased or originated credit-impaired loans. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="text-align: right; font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 10.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(e)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 10.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 10.5pt; letter-spacing: 0px; top: 0px;display:inline;">Loans past due but not impaired<div style="font-size: 75%; vertical-align: top;display:inline;font-size:8.7px">(1)</div> </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">A loan is considered past due when a counterparty has not made a payment by the contractual due date. The following table presents the carrying value of loans that are contractually past due but not classified as impaired. In cases where borrowers have opted to participate in payment deferral programs, deferral of payments is not considered past due and such loans are not aged further during the deferral period. </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 66%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">31-60</div><br/> days</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">61-90</div><br/> days</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">91 days<br/> and greater<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,352</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">642</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,994</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">580</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">283</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">863</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">232</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">361</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">755</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">163</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">126</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">289</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,327</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,213</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 361</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 3,901</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-size: 1pt;">
<td style="height: 12pt; font-family: arial;"></td>
<td colspan="16" style="height: 12pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at January 31, 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">31-60</div><br/> days</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">61-90</div><br/> days</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">91 days<br/> and greater<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,489</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">694</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,183</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">581</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">309</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">890</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">219</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">178</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">412</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">809</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">205</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">72</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">277</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,494</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,253</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 412</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 4,159</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-size: 1pt;">
<td style="height: 12pt; font-family: arial;"></td>
<td colspan="16" style="height: 12pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">31-60</div><br/> days</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">61-90</div><br/> days</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">91 days<br/> and greater<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,603</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">767</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,370</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">691</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">353</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,044</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">289</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">189</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">430</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">908</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">238</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">104</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">342</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,821</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,413</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 430</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 4,664</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Loans up to 30 days past due are not presented in this analysis as they are not administratively considered past due. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">All loans that are over 90 days past due are considered impaired with the exception of credit card receivables which are considered impaired when 180 days past due. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 10.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(f)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 10.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 10.5pt; letter-spacing: 0px; top: 0px;display:inline;">Purchased credit-impaired loans </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Certain financial assets including loans are credit-impaired on initial recognition. The following table provides details of such assets: </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div><div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 69%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 4%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">October 31<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unpaid principal balance<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">204</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">210</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">224</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit related fair value adjustments</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(20</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(24</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">185</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">190</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">200</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3 allowance</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value net of related allowance</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 185</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">189</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">199</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Represents principal amount owed net of write-offs. </div></div></td></tr></table>
<div style="font-family: arial; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(a) Loans at amortized cost </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:71%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> carrying<br/> amount</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Allowance<br/> for credit<br/> losses</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Net<br/> carrying<br/> amount</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Residential mortgages</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 368,495</td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 1,450</td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 367,045</td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">108,355</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,254</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">106,101</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,040</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,874</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">271,694</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,280</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">269,414</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">764,584</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,150</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">757,434</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width: 41%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31, 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">368,619</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,439</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">367,180</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">370,191</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,460</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">368,731</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">107,579</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,216</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">105,363</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">110,567</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,432</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">108,135</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">16,112</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,215</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14,897</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,045</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,355</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">16,690</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">270,167</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,132</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">268,035</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">279,705</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,216</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">277,489</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 762,477</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 7,002</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 755,475</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 778,508</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 7,463</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 771,045</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table>
368495000000
1450000000
367045000000
108355000000
2254000000
106101000000
16040000000
1166000000
14874000000
271694000000
2280000000
269414000000
764584000000
7150000000
757434000000
368619000000
1439000000
367180000000
370191000000
1460000000
368731000000
107579000000
2216000000
105363000000
110567000000
2432000000
108135000000
16112000000
1215000000
14897000000
18045000000
1355000000
16690000000
270167000000
2132000000
268035000000
279705000000
2216000000
277489000000
762477000000
7002000000
755475000000
778508000000
7463000000
771045000000
<div style="font-family: arial; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(b) Impaired loans<div style="font-size: 75%; vertical-align: top;display:inline;font-size:8.3px">(1)</div> </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width: 72%;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross<br/> impaired<br/> loans</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Allowance<br/> for credit<br/> losses</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Net<br/> carrying<br/> amount</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,904</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">841</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,063</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">975</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">566</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">409</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,729</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,728</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,608</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,408</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,200</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">By geography:</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 2%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canada</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,798</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">796</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,002</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">United States</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">124</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">111</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Mexico</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,515</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">570</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">945</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Peru</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">739</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">367</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">372</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Chile</div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,452</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">344</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,108</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other international</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">980</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">318</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">662</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 72%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,608</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,408</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,200</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width: 48%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31, 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> impaired<br/> loans</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gross<br/> impaired<br/> loans</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Allowance<br/> for credit<br/> losses</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Net<br/> carrying<br/> amount</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,955</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">834</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,121</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,903</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">840</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,063</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,063</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">570</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">493</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,071</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">604</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">467</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,230</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">883</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,347</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,270</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">897</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,373</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">7,248</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,287</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">4,961</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">7,244</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,341</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">4,903</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">By geography:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canada</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,674</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">786</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,888</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,416</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">683</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,733</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">United States</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">158</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">141</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Mexico</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,533</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">554</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">979</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,494</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">535</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">959</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Peru</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">778</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">383</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">395</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">823</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">400</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">423</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Chile</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,516</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">351</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,420</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">332</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,088</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other international</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">589</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">196</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">393</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,091</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">391</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">700</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">7,248</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,287</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">4,961</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">7,244</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,341</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">4,903</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div> <div style="font-size: 2pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 2pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income recognized on impaired loans during the three months ended April 30, 2026 was $29 (January 31, 2026 – $28; October 31, 2025 – $23). </div></div></td></tr></table>
2904000000
841000000
2063000000
975000000
566000000
409000000
0
0
0
3729000000
1001000000
2728000000
7608000000
2408000000
5200000000
2798000000
796000000
2002000000
124000000
13000000
111000000
1515000000
570000000
945000000
739000000
367000000
372000000
1452000000
344000000
1108000000
980000000
318000000
662000000
7608000000
2408000000
5200000000
2955000000
834000000
2121000000
2903000000
840000000
2063000000
1063000000
570000000
493000000
1071000000
604000000
467000000
0
0
0
0
0
0
3230000000
883000000
2347000000
3270000000
897000000
2373000000
7248000000
2287000000
4961000000
7244000000
2341000000
4903000000
2674000000
786000000
1888000000
2416000000
683000000
1733000000
158000000
17000000
141000000
1533000000
554000000
979000000
1494000000
535000000
959000000
778000000
383000000
395000000
823000000
400000000
423000000
1516000000
351000000
1165000000
1420000000
332000000
1088000000
589000000
196000000
393000000
1091000000
391000000
700000000
7248000000
2287000000
4961000000
7244000000
2341000000
4903000000
29000000
28000000
23000000
0.075
<div style="font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following tables show certain key macroeconomic variables used to calculate the modelled estimate for the allowance for credit losses. Further changes in these variables up to the date of the financial statements are incorporated through expert credit judgement. For the base case, optimistic and pessimistic scenarios, the projections are provided for the next 12 months and for the remaining forecast period, which represents a medium-term view. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 39%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Base Case Scenario</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Optimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Pessimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Very Pessimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canada</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-4.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Consumer price index, y/y %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Bank of Canada overnight rate target, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">HPI - Housing Price Index, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-0.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-5.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-8.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">USD/CAD exchange rate, average</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.34</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.30</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.33</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.28</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.40</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.28</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.48</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.30</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S.</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-3.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Consumer price index, y/y %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Target federal funds rate, upper limit, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Mexico</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">0.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-1.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-4.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Chile</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">0.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-4.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Peru</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">0.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-0.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7.5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Caribbean</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1.8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-0.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Global</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">WTI oil price, average USD/bbl</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">85</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">69</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">89</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">83</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">74</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">63</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">130</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">74</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Copper price, average USD/lb</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.39</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.86</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.51</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6.38</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.99</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.74</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.41</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5.72</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Global GDP, y/y % change</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.4</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.8</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.7</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">0.3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.4</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">-2.3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.9</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 39%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Base Case Scenario</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Optimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Pessimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Very Pessimistic</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at January 31, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canada</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-1.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-4.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Consumer price index, y/y %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Bank of Canada overnight rate target, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">HPI - Housing Price Index, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-0.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-3.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">USD/CAD exchange rate, average</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.35</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.31</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.34</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.30</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.41</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.30</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.50</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.31</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S.</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-0.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Consumer price index, y/y %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Target federal funds rate, upper limit, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Mexico</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">0.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-1.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-4.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Chile</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">0.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Peru</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">0.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-0.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Caribbean</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-1.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Global</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">WTI oil price, average USD/bbl</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">60</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">61</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">63</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">72</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">52</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">56</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">45</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">51</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Copper price, average USD/lb</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.75</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.09</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.85</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.49</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.42</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.00</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.08</td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.85</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
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<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Global GDP, y/y % change</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2.5</td>
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<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
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<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2.8</td>
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<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
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<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.2</td>
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<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
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<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.6</td>
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<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">0.5</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">-2.1</td>
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<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.8</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div> <div style="text-align: right; font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
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<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Base Case Scenario</td>
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<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Optimistic</td>
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<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Pessimistic</td>
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<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Alternative Scenario<br/> Very Pessimistic</td>
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<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">As at October 31, 2025</div></div></td>
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<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
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<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
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<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Next 12<br/> Months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Remaining<br/> Forecast<br/> Period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canada</div></div></td>
<td style="vertical-align: bottom;"> </td>
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<td style="vertical-align: bottom;"> </td>
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<td style="vertical-align: bottom;"> </td>
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<td style="vertical-align: bottom;"> </td>
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<td style="vertical-align: bottom;"> </td>
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<td style="vertical-align: bottom;"> </td>
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<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.2</td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.2</td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.1</td>
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<td style="vertical-align: bottom;"> </td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-1.1</td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.7</td>
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<td style="vertical-align: bottom;"> </td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-4.4</td>
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<td style="vertical-align: bottom;"> </td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.4</td>
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<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Consumer price index, y/y %</div></div></td>
<td style="vertical-align: bottom;"> </td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.9</td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.2</td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.1</td>
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<td style="vertical-align: bottom;"> </td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.7</td>
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<td style="vertical-align: bottom;"> </td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.4</td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.0</td>
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<td style="vertical-align: bottom;"> </td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.0</td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.8</td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.6</td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.7</td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8.2</td>
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<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Bank of Canada overnight rate target, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">HPI - Housing Price Index, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-2.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-5.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">USD/CAD exchange rate, average</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.32</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.30</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.31</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.29</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.37</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.29</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.45</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.30</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S.</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-1.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Consumer price index, y/y %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Target federal funds rate, upper limit, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Mexico</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-0.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">0.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-5.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Chile</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">0.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Peru</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">0.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-1.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Colombia</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">0.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-1.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unemployment rate, average %</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10.3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9.1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12.5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Caribbean</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Real GDP growth, y/y % change</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.0</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">-0.6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Global</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">WTI oil price, average USD/bbl</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">60</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">66</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">64</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">78</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">53</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">61</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">45</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">56</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Copper price, average USD/lb</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.19</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.68</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.29</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5.03</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.92</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.60</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3.61</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.47</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Global GDP, y/y % change</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2.2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2.7</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.0</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.5</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">0.3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">-2.2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">3.7</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table>
0.016
0.02
0.026
0.029
-0.01
0.026
-0.044
0.033
0.031
0.019
0.033
0.024
0.026
0.017
0.065
0.021
0.064
0.059
0.059
0.045
0.076
0.065
0.104
0.071
0.028
0.029
0.031
0.037
0.021
0.024
0.035
0.035
-0.016
0.047
-0.009
0.062
-0.056
0.053
-0.089
0.048
1.34
1.3
1.33
1.28
1.4
1.28
1.48
1.3
0.016
0.024
0.022
0.033
-0.011
0.031
-0.039
0.036
0.03
0.024
0.032
0.028
0.032
0.023
0.068
0.026
0.036
0.034
0.038
0.04
0.035
0.03
0.044
0.041
0.043
0.04
0.041
0.036
0.057
0.045
0.081
0.048
0.009
0.019
0.013
0.026
-0.016
0.024
-0.048
0.031
0.035
0.038
0.033
0.033
0.042
0.039
0.065
0.048
0.025
0.021
0.033
0.03
0.001
0.027
-0.04
0.037
0.081
0.073
0.079
0.068
0.093
0.075
0.116
0.08
0.033
0.027
0.044
0.035
0.007
0.032
-0.008
0.038
0.058
0.06
0.054
0.051
0.069
0.064
0.109
0.075
0.037
0.04
0.041
0.047
0.018
0.044
-0.006
0.049
85
69
89
83
74
63
130
74
5.39
5.86
5.51
6.38
4.99
5.74
5.41
5.72
0.024
0.028
0.032
0.037
0.003
0.034
-0.023
0.039
0.015
0.019
0.022
0.028
-0.01
0.024
-0.043
0.031
0.022
0.022
0.024
0.026
0.017
0.02
0.054
0.024
0.064
0.058
0.061
0.046
0.076
0.064
0.104
0.07
0.024
0.03
0.028
0.037
0.021
0.025
0.033
0.035
0.035
0.054
0.043
0.069
-0.005
0.059
-0.039
0.055
1.35
1.31
1.34
1.3
1.41
1.3
1.5
1.31
0.016
0.023
0.02
0.033
-0.009
0.03
-0.037
0.035
0.024
0.026
0.026
0.029
0.026
0.025
0.06
0.028
0.031
0.033
0.032
0.037
0.03
0.029
0.038
0.039
0.043
0.041
0.043
0.038
0.057
0.046
0.079
0.05
0.006
0.02
0.011
0.028
-0.017
0.024
-0.048
0.031
0.033
0.038
0.032
0.032
0.04
0.039
0.061
0.047
0.025
0.021
0.036
0.029
0.003
0.026
-0.037
0.035
0.079
0.074
0.076
0.069
0.09
0.075
0.112
0.08
0.032
0.027
0.046
0.036
0.008
0.032
-0.008
0.038
0.058
0.059
0.051
0.05
0.068
0.063
0.106
0.074
0.036
0.04
0.042
0.048
0.014
0.044
-0.018
0.051
60
61
63
72
52
56
45
51
4.75
5.09
4.85
5.49
4.42
5
4.08
4.85
0.025
0.028
0.032
0.036
0.005
0.033
-0.021
0.038
0.012
0.022
0.024
0.031
-0.011
0.027
-0.044
0.034
0.019
0.022
0.021
0.027
0.014
0.02
0.05
0.024
0.07
0.058
0.066
0.047
0.082
0.064
0.112
0.07
0.023
0.028
0.028
0.037
0.021
0.024
0.031
0.033
0.019
0.062
0.026
0.077
-0.02
0.067
-0.051
0.062
1.32
1.3
1.31
1.29
1.37
1.29
1.45
1.3
0.014
0.023
0.019
0.032
-0.01
0.03
-0.037
0.035
0.026
0.025
0.027
0.028
0.027
0.024
0.06
0.027
0.033
0.03
0.035
0.035
0.032
0.027
0.039
0.036
0.045
0.043
0.044
0.04
0.058
0.048
0.081
0.052
-0.002
0.022
0.006
0.029
-0.024
0.026
-0.055
0.033
0.033
0.037
0.032
0.031
0.039
0.038
0.061
0.046
0.024
0.02
0.035
0.028
0.003
0.026
-0.037
0.035
0.079
0.067
0.077
0.064
0.09
0.069
0.112
0.073
0.029
0.031
0.041
0.04
0.006
0.036
-0.01
0.041
0.057
0.061
0.053
0.052
0.067
0.065
0.105
0.076
0.029
0.025
0.04
0.034
0.007
0.03
-0.01
0.035
0.103
0.099
0.10
0.091
0.12
0.105
0.189
0.125
0.037
0.04
0.044
0.047
0.016
0.044
-0.006
0.049
60
66
64
78
53
61
45
56
4.19
4.68
4.29
5.03
3.92
4.6
3.61
4.47
0.022
0.027
0.03
0.035
0.003
0.032
-0.022
0.037
4936000000
4898000000
5313000000
4644000000
4598000000
5018000000
591000000
607000000
786000000
807000000
753000000
801000000
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 10.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(iv)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 10.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 10.5pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><br/></div> <div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:55%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td colspan="20" style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div></div></td>
<td style="vertical-align: top;"><div style="text-indent: 0em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0em; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Balance as at</div></div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">November 1,</div></div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2025</div></div></div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Provision<br/>for<br/>credit losses<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Net write-<br/>offs</div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Other, including<br/>foreign currency<br/>adjustment</div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Balance as at<br/>April 30,<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-top-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-top-width: 0.75pt; border-bottom-width: 0.75pt; border-top-style: solid; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,460</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">133</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(61</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(82</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,450</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,432</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">954</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(841</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(291</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,254</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,355</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">625</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(625</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(189</div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,392</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">686</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(380</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(242</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,456</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 55%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">7,639</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 2,398</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> (1,907</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> (804</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">) </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 7,326</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Presented as:</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on loans</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,463</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,150</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on acceptances<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> <div style="display:inline;">175</div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">175</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Excludes amounts associated with other assets of $(5). The provision for credit losses, net of these amounts, is $<div style="font-size:7.5pt;font-family:"Arial Narrow",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:"Times New Roman";mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">2,393</div></div>. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:55%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Balance as at</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">November 1,</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2024</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">for</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">credit losses<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net write-</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">offs</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other, including</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">foreign currency</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">adjustment</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Balance as at</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">April 30,</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">2025</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,208</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">205</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(40</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 4%;">) </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,378</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,319</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,080</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(930</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 4%;">) </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(90</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;">) </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,379</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,160</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">722</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(647</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 4%;">) </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,235</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,036</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">571</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(268</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 4%;">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(71</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,268</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 55%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 6,723</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 2,578</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> (1,885</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 4%;">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> (156</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 7,260</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Presented as:</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on loans</div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,536</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,084</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on acceptances<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 4%;"></td>
<td style="vertical-align: bottom; width: 4%;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 3%;"></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 55%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 186</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 4%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 3%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">175</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 3%;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Excludes amounts associated with other assets and reversal of impairment losses of $(18). The provision for credit losses, net of these amounts, is $2,560. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:67%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Allowance for credit losses on loans</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">190</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">419</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">841</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,450</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">558</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,130</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">566</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,254</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">250</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">916</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">704</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">575</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,280</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,702</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,040</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,408</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,150</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Excludes allowance for credit losses of $194 for other financial assets including acceptances, investment securities, deposits with banks, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet credit risks and reverse repos. </div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 67%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">196</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">424</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">840</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,460</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">613</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,215</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">604</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,432</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">338</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,017</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,355</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">713</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">606</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">897</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,216</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,860</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 3,262</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,341</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 7,463</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Excludes allowance for credit losses of $191 for other financial assets including acceptances, investment securities, deposits with banks, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet credit risks and reverse repos. </div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 67%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at April 30, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">178</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">452</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">748</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,378</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">534</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,228</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">617</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,379</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">292</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">943</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,235</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">667</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">589</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">836</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,092</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,671</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 3,212</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,201</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 7,084</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Excludes allowance for credit losses of $192 for other financial assets including acceptances, investment securities, deposits with banks, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet credit risks and reverse repos. </div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="clear: both; max-height: 0px;"></div><div style="text-align: right; font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="text-indent: 3%; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table presents the changes to the allowance for credit losses on loans. </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 7.5pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 57%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 7pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="30" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at and for the three months ended</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 7pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">April 30, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 7pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Retail loans:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">194</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">411</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">834</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,439</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">160</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">409</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">711</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,280</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(65</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">45</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">84</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">64</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(41</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">66</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">112</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">137</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(7</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(9</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">66</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(59</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">63</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(49</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(14</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">64</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(54</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(13</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">65</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(52</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(24</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(24</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">24</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(38</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(38</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(28</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(28</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(8</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(9</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(19</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">190</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">419</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">841</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,450</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">178</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">452</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">748</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,378</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">535</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,111</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">570</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,216</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">554</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,225</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">647</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,426</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(144</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">234</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">351</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">441</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(166</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">317</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">371</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">522</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">93</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">93</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">93</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">93</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(22</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(26</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(48</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(20</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(35</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(55</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(32</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(3</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(28</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">141</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(138</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">161</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(157</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(4</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(40</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">70</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(30</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(48</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">77</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(29</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(107</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">108</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(122</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">124</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(495</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(495</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(517</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(517</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">73</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">72</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">72</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(4</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(14</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(26</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(45</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(45</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(44</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(134</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">558</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,130</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">566</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,254</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">534</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,228</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">617</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,379</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">257</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">958</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,215</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">295</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">890</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,185</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(67</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">146</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">195</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">274</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(70</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">235</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">225</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">390</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">19</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">19</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">26</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">26</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(10</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(9</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(19</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">74</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(74</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">95</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(95</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(20</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(30</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">30</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(113</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">113</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(94</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">94</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(358</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(358</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(365</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(365</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">49</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">49</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(4</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(11</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(14</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(14</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(14</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(31</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">250</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">916</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">292</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">943</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,235</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Total retail loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">986</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,480</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,404</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,870</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,009</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,524</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,358</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,891</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(276</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">425</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">630</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">779</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(277</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">618</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">708</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,049</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">122</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">122</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">132</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">132</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(33</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(44</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(77</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(32</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(51</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(83</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(32</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(3</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(28</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">281</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(271</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">319</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(301</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(18</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(70</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">154</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(84</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(91</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">172</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(81</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(244</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">245</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(240</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">242</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(891</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(891</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(910</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(910</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">126</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">126</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">125</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">125</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(11</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(35</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(13</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(59</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(61</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(67</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(56</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(184</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 998</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,465</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,407</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 4,870</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,004</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,623</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,365</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 4,992</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-retail</div> loans:</div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">784</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">635</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">883</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,302</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">790</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">551</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">832</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,173</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(24</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">112</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">343</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">431</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">123</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">211</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">343</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">348</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">348</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">317</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">317</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(292</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(90</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(387</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(296</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(26</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(11</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(333</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(28</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">38</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(38</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(11</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(16</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(1</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(5</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top;">Gross write-offs</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(208</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(208</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(163</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(163</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(4</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(5</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(37</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(46</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(21</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(12</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(54</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(87</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Balance at end of period including <div style="white-space: nowrap;display:inline;">off-balance</div> sheet exposures</div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">829</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">625</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,455</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">820</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">611</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">836</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,267</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Less: Allowance for credit losses on <div style="white-space: nowrap;display:inline;">off-balance</div> sheet exposures<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(2)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(125</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(50</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(175</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(153</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(22</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(175</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em;">Balance at end of period<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(2)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">704</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">575</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,280</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">667</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">589</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">836</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,092</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear: both; max-height: 0px;"></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 7.5pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 50%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td> </tr>
<tr style="font-family: arial; font-size: 7pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="30" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at and for the six months ended</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 7pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">April 30, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 7pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Retail loans:</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">196</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">424</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">840</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,460</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">165</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">398</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">645</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,208</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(127</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">88</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">174</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">135</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(99</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">102</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">201</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">204</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(23</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(4</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(13</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(17</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(14</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(7</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">134</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(117</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(17</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">116</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(92</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(24</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(20</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">128</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(108</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(23</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">120</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(97</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(50</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(49</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">49</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(72</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(72</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(52</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(52</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(2)</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(35</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(37</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(82</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">5</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">5</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">190</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">419</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">841</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,450</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">178</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">452</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">748</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,378</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">613</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,215</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">604</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,432</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">544</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,154</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">621</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,319</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(307</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">462</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">725</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">880</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(328</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">596</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">761</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,029</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">175</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">175</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">194</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">194</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(43</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(58</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(101</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(43</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(76</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(119</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(29</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(24</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">293</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(287</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">311</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(303</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(8</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(80</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">136</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(56</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(106</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">162</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(56</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(224</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">226</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(4</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(246</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">250</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(984</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(984</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(1,075</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(1,075</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">143</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">143</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">145</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">145</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(2)</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(91</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(114</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(86</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(291</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(34</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(30</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(26</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(90</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">558</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,130</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">566</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,254</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">534</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,228</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">617</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,379</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">338</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,017</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,355</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">288</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">872</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,160</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(139</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">343</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">413</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">617</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(151</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">403</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">464</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">716</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">58</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">58</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(17</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(15</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(32</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(23</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(20</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(43</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(7</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(9</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">154</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(154</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">183</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(183</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(47</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(57</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">57</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(211</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">211</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(182</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">182</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(733</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(733</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(738</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(738</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">108</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">108</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">91</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">91</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(2)</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(79</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(111</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(189</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(4</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">250</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">916</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">292</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">943</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,235</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Total retail loans</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,147</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,656</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,444</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 5,247</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">997</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,424</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,266</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,687</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(573</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">893</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,312</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,632</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(578</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,101</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,426</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,949</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">236</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">236</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">277</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">277</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(64</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(92</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(156</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(70</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(109</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(179</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(4</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(50</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(40</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">581</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(558</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(23</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">610</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(578</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(32</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(147</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">311</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(164</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(186</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">339</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(153</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(485</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">487</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(4</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(477</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">481</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gross write-offs</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,789</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,789</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(1,865</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(1,865</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">262</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">262</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">248</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">248</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(2)</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(180</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(260</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(122</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(562</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(38</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(27</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(20</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(85</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">998</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,465</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,407</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,870</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,004</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,623</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,365</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 4,992</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-retail</div> loans:</div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at beginning of period</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">854</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">640</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">897</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,391</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">739</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">508</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">788</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,035</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Remeasurement<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(1)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(79</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">226</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">603</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">750</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">190</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">390</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">578</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Newly originated or purchased financial assets</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">681</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">681</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">675</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">675</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Derecognition of financial assets and maturities</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(590</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(151</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(749</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(611</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(53</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(19</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(683</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in models and methodologies</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfer to (from):</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial; width: 1%;"></td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">54</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(54</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">63</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(63</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(30</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(38</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">41</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(3</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 3em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(25</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(10</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;">Gross write-offs</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(406</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(406</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(303</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(303</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Recoveries</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">26</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">26</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">35</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">35</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and other movements<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(2)</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(61</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(41</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(136</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(238</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(4</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(64</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(70</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Balance at end of period including <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures</div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">829</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">625</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,455</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">820</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">611</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">836</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,267</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Less: Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(3)</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(125</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(50</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(175</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(153</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(22</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(175</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;">) </td> </tr>
<tr style="font-family: arial; font-size: 7.5pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 50%;"> <div style="text-indent: -1em; font-family: arial; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Balance at end of period<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.2px">(3)</div></div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">704</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">575</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,280</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">667</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">589</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">836</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2,092</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes impact of divested operations. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Allowance for credit losses on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">off-balance</div> sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position. </div> </td> </tr> </table>
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<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 10.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(d)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: arial; font-size: 10.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 10.5pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value of exposures by risk rating </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:31%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Residential<br/> mortgages</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">221,008</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,591</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">224,599</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">219,905</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,983</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">223,888</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">84,108</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,138</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">88,246</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">83,755</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,820</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">88,575</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Medium</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,854</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,185</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,039</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15,870</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,618</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">24,488</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">High</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,307</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,913</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,220</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,002</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,007</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,009</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very high</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,959</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,967</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">48</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,170</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,218</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,840</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">680</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,520</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">16,937</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,173</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,110</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,904</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,904</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,903</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,903</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">339,125</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">26,466</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,904</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">368,495</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">339,517</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,771</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,903</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">370,191</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">190</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">419</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">841</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,450</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">196</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">424</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">840</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,460</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 338,935</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 26,047</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 2,063</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 367,045</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 339,321</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 27,347</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,063</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 368,731</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3 includes purchased or originated credit-impaired loans. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:27%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Personal loans</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">30,851</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">180</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">31,031</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">31,009</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">202</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">31,211</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,954</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">700</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,654</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21,075</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">751</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21,826</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Medium</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,818</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">44</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,862</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12,886</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">78</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12,964</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">High</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,569</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,453</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,022</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10,331</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,659</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15,990</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very high</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,274</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,315</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">35</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,651</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,686</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,101</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,395</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,496</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,465</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,354</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">24,819</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">975</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">975</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,071</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,071</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 96,334</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 11,046</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 975</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 108,355</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">97,801</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,695</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,071</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">110,567</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">558</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,130</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">566</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,254</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">613</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,215</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">604</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,432</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">95,776</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,916</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">409</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">106,101</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 97,188</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 10,480</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 467</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 108,135</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3 includes purchased or originated credit-impaired loans. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:33%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Credit cards</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Stage 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,517</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,518</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,646</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,648</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,022</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,030</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,171</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,182</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Medium</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,295</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,307</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,792</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">26</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,818</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">High</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,992</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,723</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,715</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,210</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,942</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,152</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very high</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,098</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,105</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,204</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,224</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">912</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">453</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,365</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">582</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">439</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,021</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,745</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,295</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,040</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14,421</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,624</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,045</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">250</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">916</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,166</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">338</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,017</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,355</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 12,495</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 2,379</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> –</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 14,874</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 14,083</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,607</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> –</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 16,690</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div> <div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 31%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; font-size: 10pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Undrawn loan<br/>commitments –<br/>Retail</div></div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at October 31, 2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades<br/></div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Stage 1</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Stage 2</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Stage 3</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">133,523</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">236</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">133,759</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">126,681</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">255</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">126,936</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,726</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,782</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,102</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">71</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,173</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Medium</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,388</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,393</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,569</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,582</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">High</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,094</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">423</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,517</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,047</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">631</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,678</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very high</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">287</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">291</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">351</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">365</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,663</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,085</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,748</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,039</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,049</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,088</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 172,398</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 3,092</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> –</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 175,490</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 171,452</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 3,370</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> –</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 174,822</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear:both;max-height:0pt;"></div> </div> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:31%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Total retail loans</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Category of PD grades</div></div><br/> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">387,899</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,008</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">391,907</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">380,241</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,442</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">384,683</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Low</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">128,810</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,902</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">133,712</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">130,103</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,653</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">135,756</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Medium</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40,355</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,246</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49,601</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">43,117</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,735</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">51,852</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">High</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,962</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,512</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28,474</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20,590</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14,239</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">34,829</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Very high</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,618</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,678</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">117</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,376</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,493</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,516</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,613</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">54,129</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">49,023</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,015</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">55,038</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,879</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,879</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,974</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,974</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">620,602</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">43,899</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,879</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">668,380</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">623,191</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">46,460</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,974</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">673,625</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">998</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,465</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,407</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,870</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,147</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,656</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,444</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">5,247</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 619,604</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 41,434</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 2,472</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 663,510</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 622,044</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 43,804</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,530</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 668,378</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3 includes purchased or originated credit-impaired loans. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:31%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Business and<br/> government loans</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Grade </div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment grade</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">137,139</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">523</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">137,662</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">138,789</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,482</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">140,271</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-investment</div> grade</div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">117,758</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,761</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">123,519</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">121,999</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,169</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">129,168</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Watch list</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,107</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,113</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,468</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,475</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,647</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,671</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,485</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">36</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,521</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,729</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,729</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,270</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,270</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">257,550</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 10,415</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,729</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">271,694</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">263,280</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13,155</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,270</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">279,705</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">704</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">575</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,280</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">713</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">606</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">897</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,216</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 256,846</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">9,840</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 2,728</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 269,414</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 262,567</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 12,549</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,373</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 277,489</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3 includes purchased or originated credit-impaired loans. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width: 28%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Undrawn loan<br/> commitments –<br/> Business and<br/> government</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Grade </div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment grade</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">248,402</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,191</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">249,593</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">242,637</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,101</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">243,738</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-investment</div> grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">57,904</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,826</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">59,730</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">60,136</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,841</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">61,977</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Watch list</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,018</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,018</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,007</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,007</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,699</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,700</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,593</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,594</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">31</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">31</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">311,005</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,036</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">315,090</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">307,366</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,950</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">31</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">311,347</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">125</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">175</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">141</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">34</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">175</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 28%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 310,880</div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 3,986</div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 49</div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 314,915</div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 307,225</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 3,916</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 31</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 311,172</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3 includes purchased or originated credit-impaired loans. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 31%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;">Total <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-retail</div><br/> loans</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Grade</div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> ($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Stage 3<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment grade</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">385,541</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,714</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">387,255</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">381,426</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,583</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">384,009</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-investment</div> grade</div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">175,662</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,587</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">183,249</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">182,135</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,010</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">191,145</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Watch list</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,125</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,131</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,475</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,482</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans not graded<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,346</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,371</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,078</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">37</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,115</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Default</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,778</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,778</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,301</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,301</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">568,555</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,451</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,778</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">586,784</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">570,646</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17,105</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,301</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">591,052</td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Allowance for credit losses</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">829</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">625</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,001</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,455</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">854</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">640</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">897</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,391</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 31%;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 567,726</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 13,826</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,777</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 584,329</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 569,792</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 16,465</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,404</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); width: 1%;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 588,661</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; width: 2%;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3 includes purchased or originated credit-impaired loans. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. </div></div> </td> </tr> </table>
221008000000
3591000000
224599000000
219905000000
3983000000
223888000000
84108000000
4138000000
88246000000
83755000000
4820000000
88575000000
15854000000
9185000000
25039000000
15870000000
8618000000
24488000000
2307000000
5913000000
8220000000
3002000000
6007000000
9009000000
8000000
2959000000
2967000000
48000000
3170000000
3218000000
15840000000
680000000
16520000000
16937000000
1173000000
18110000000
2904000000
2904000000
2903000000
2903000000
339125000000
26466000000
2904000000
368495000000
339517000000
27771000000
2903000000
370191000000
190000000
419000000
841000000
1450000000
196000000
424000000
840000000
1460000000
338935000000
26047000000
2063000000
367045000000
339321000000
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368731000000
30851000000
180000000
31031000000
31009000000
202000000
31211000000
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700000000
21654000000
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751000000
21826000000
12818000000
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12964000000
8569000000
5453000000
14022000000
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15990000000
41000000
2274000000
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35000000
2651000000
2686000000
23101000000
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25496000000
22465000000
2354000000
24819000000
975000000
975000000
1071000000
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96334000000
11046000000
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108355000000
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11695000000
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110567000000
558000000
1130000000
566000000
2254000000
613000000
1215000000
604000000
2432000000
95776000000
9916000000
409000000
106101000000
97188000000
10480000000
467000000
108135000000
2517000000
1000000
2518000000
2646000000
2000000
2648000000
3022000000
8000000
3030000000
3171000000
11000000
3182000000
4295000000
12000000
4307000000
4792000000
26000000
4818000000
1992000000
1723000000
3715000000
3210000000
1942000000
5152000000
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1098000000
1105000000
20000000
1204000000
1224000000
912000000
453000000
1365000000
582000000
439000000
1021000000
12745000000
3295000000
16040000000
14421000000
3624000000
18045000000
250000000
916000000
1166000000
338000000
1017000000
1355000000
12495000000
2379000000
14874000000
14083000000
2607000000
16690000000
133523000000
236000000
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126681000000
255000000
126936000000
20726000000
56000000
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22102000000
71000000
22173000000
7388000000
5000000
7393000000
9569000000
13000000
9582000000
2094000000
423000000
2517000000
4047000000
631000000
4678000000
4000000
287000000
291000000
14000000
351000000
365000000
8663000000
2085000000
10748000000
9039000000
2049000000
11088000000
172398000000
3092000000
175490000000
171452000000
3370000000
174822000000
387899000000
4008000000
391907000000
380241000000
4442000000
384683000000
128810000000
4902000000
133712000000
130103000000
5653000000
135756000000
40355000000
9246000000
49601000000
43117000000
8735000000
51852000000
14962000000
13512000000
28474000000
20590000000
14239000000
34829000000
60000000
6618000000
6678000000
117000000
7376000000
7493000000
48516000000
5613000000
54129000000
49023000000
6015000000
55038000000
3879000000
3879000000
3974000000
3974000000
620602000000
43899000000
3879000000
668380000000
623191000000
46460000000
3974000000
673625000000
998000000
2465000000
1407000000
4870000000
1147000000
2656000000
1444000000
5247000000
619604000000
41434000000
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663510000000
622044000000
43804000000
2530000000
668378000000
137139000000
523000000
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138789000000
1482000000
140271000000
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5761000000
123519000000
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7169000000
129168000000
6000000
4107000000
4113000000
7000000
4468000000
4475000000
2647000000
24000000
2671000000
2485000000
36000000
2521000000
3729000000
3729000000
3270000000
3270000000
257550000000
10415000000
3729000000
271694000000
263280000000
13155000000
3270000000
279705000000
704000000
575000000
1001000000
2280000000
713000000
606000000
897000000
2216000000
256846000000
9840000000
2728000000
269414000000
262567000000
12549000000
2373000000
277489000000
248402000000
1191000000
249593000000
242637000000
1101000000
243738000000
57904000000
1826000000
59730000000
60136000000
1841000000
61977000000
1018000000
1018000000
1007000000
1007000000
4699000000
1000000
4700000000
4593000000
1000000
4594000000
49000000
49000000
31000000
31000000
311005000000
4036000000
49000000
315090000000
307366000000
3950000000
31000000
311347000000
125000000
50000000
175000000
141000000
34000000
175000000
310880000000
3986000000
49000000
314915000000
307225000000
3916000000
31000000
311172000000
385541000000
1714000000
387255000000
381426000000
2583000000
384009000000
175662000000
7587000000
183249000000
182135000000
9010000000
191145000000
6000000
5125000000
5131000000
7000000
5475000000
5482000000
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25000000
7371000000
7078000000
37000000
7115000000
3778000000
3778000000
3301000000
3301000000
568555000000
14451000000
3778000000
586784000000
570646000000
17105000000
3301000000
591052000000
829000000
625000000
1001000000
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<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 10.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(e)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 10.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 10.5pt; letter-spacing: 0px; top: 0px;display:inline;">Loans past due but not impaired<div style="font-size: 75%; vertical-align: top;display:inline;font-size:8.7px">(1)</div> </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">A loan is considered past due when a counterparty has not made a payment by the contractual due date. The following table presents the carrying value of loans that are contractually past due but not classified as impaired. In cases where borrowers have opted to participate in payment deferral programs, deferral of payments is not considered past due and such loans are not aged further during the deferral period. </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 66%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 3%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">31-60</div><br/> days</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">61-90</div><br/> days</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">91 days<br/> and greater<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,352</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">642</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,994</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">580</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">283</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">863</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">232</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">162</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">361</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">755</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">163</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">126</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">289</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,327</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,213</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 361</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 3,901</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-size: 1pt;">
<td style="height: 12pt; font-family: arial;"></td>
<td colspan="16" style="height: 12pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at January 31, 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">31-60</div><br/> days</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">61-90</div><br/> days</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">91 days<br/> and greater<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,489</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">694</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,183</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">581</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">309</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">890</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">219</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">178</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">412</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">809</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">205</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">72</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">277</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,494</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,253</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 412</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 4,159</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-size: 1pt;">
<td style="height: 12pt; font-family: arial;"></td>
<td colspan="16" style="height: 12pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">31-60</div><br/> days</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">61-90</div><br/> days</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">91 days<br/> and greater<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Residential mortgages</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,603</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">767</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,370</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">691</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">353</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,044</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit cards</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">289</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">189</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">430</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">908</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">238</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">104</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">342</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 2,821</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 1,413</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 430</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 4,664</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Loans up to 30 days past due are not presented in this analysis as they are not administratively considered past due. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">All loans that are over 90 days past due are considered impaired with the exception of credit card receivables which are considered impaired when 180 days past due. </div></div></td></tr></table>
1352000000
642000000
1994000000
580000000
283000000
863000000
232000000
162000000
361000000
755000000
163000000
126000000
289000000
2327000000
1213000000
361000000
3901000000
1489000000
694000000
2183000000
581000000
309000000
890000000
219000000
178000000
412000000
809000000
205000000
72000000
277000000
2494000000
1253000000
412000000
4159000000
1603000000
767000000
2370000000
691000000
353000000
1044000000
289000000
189000000
430000000
908000000
238000000
104000000
342000000
2821000000
1413000000
430000000
4664000000
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 10.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(f)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 10.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 10.5pt; letter-spacing: 0px; top: 0px;display:inline;">Purchased credit-impaired loans </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Certain financial assets including loans are credit-impaired on initial recognition. The following table provides details of such assets: </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div><div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 69%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 4%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">October 31<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Unpaid principal balance<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">204</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">210</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">224</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit related fair value adjustments</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(19</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(20</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(24</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">185</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">190</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">200</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Stage 3 allowance</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">(1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Carrying value net of related allowance</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 185</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">189</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">199</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Represents principal amount owed net of write-offs. </div></div></td></tr></table>
204000000
210000000
224000000
19000000
20000000
24000000
185000000
190000000
200000000
1000000
1000000
185000000
189000000
199000000
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_10" style="width: 4%; text-align: left; vertical-align: top;">8.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Investments in associates </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank had significant investments in the following associates: </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:29%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31<br/> 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">October 31<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Country of<br/> incorporation</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Nature of<br/> business</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Ownership<br/> percentage</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Date of financial<br/> statements<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Carrying<br/> value</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Carrying<br/> value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Carrying<br/> value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">KeyCorp<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">United States</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">Banking</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14.9</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">March 31, 2026</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,277</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 4,338</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 4,379</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Davivienda Group S.A.<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">Colombia</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">Banking</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20.3</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">December 31, 2025</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,425</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,374</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Bank of Xi’an Co. Ltd.<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(4)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">China</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">Banking</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18.1</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">March 31, 2026</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">786</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">727</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">729</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Maduro & Curiel’s Bank N.V.<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(5)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">Curacao</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">Banking</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">48.1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">% </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">March 31, 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">575</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">562</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">570</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Represents the date of the most recent financial statements. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Based on the quoted price on the New York Stock Exchange, the market value of the Bank’s Investment in KeyCorp was $4,793 (January 31, 2026 – $4,742; October 31, 2025 – $4,018). The Bank has significant influence over KeyCorp through a combination of its ownership interest and board representation. During the period, dividends received from KeyCorp of $46 were recognized as a reduction in the carrying value of the investment in associate. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">On December 1, 2025, the Bank completed the sale of its banking operations in Colombia, Costa Rica and Panama to Davivienda Group S.A. in exchange for 20.3% ownership interest in the combined Davivienda Group S.A. The Bank’s ownership consists of 14.99% voting common shares and the remainder in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-voting</div> preferred shares. There is no quoted market price for the common shares. Following the closing, the investment was recognized at a fair value of $1,370 million as the Bank has significant influence over Davivienda Group S.A. given its board representation and ownership interest. Refer to Note 19 for further details. </div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(4)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $591 (January 31, 2026 – $591; October 31, 2025 – $617). The Bank has significant influence over the Bank of Xi’an Co. Ltd. through a combination of its ownership interest and board representation. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(5)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The local regulator requires financial institutions to set aside reserves for general banking risks. These reserves are not required under IFRS, and represent undistributed retained earnings related to a foreign associated corporation, which are subject to local regulatory restrictions. As of April 30, 2026, these reserves amounted to $77 (January 31, 2026 - $76; October 31, 2025 – $76). </div></div></td></tr></table>
<div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank had significant investments in the following associates: </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:29%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31<br/> 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">October 31<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Country of<br/> incorporation</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Nature of<br/> business</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Ownership<br/> percentage</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Date of financial<br/> statements<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Carrying<br/> value</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Carrying<br/> value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Carrying<br/> value</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">KeyCorp<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">United States</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">Banking</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14.9</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">March 31, 2026</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,277</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 4,338</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 4,379</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Davivienda Group S.A.<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">Colombia</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">Banking</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20.3</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">December 31, 2025</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,425</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,374</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Bank of Xi’an Co. Ltd.<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(4)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">China</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">Banking</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18.1</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">March 31, 2026</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">786</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">727</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">729</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Maduro & Curiel’s Bank N.V.<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(5)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">Curacao</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">Banking</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">48.1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">% </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">March 31, 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">575</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">562</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">570</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Represents the date of the most recent financial statements. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Based on the quoted price on the New York Stock Exchange, the market value of the Bank’s Investment in KeyCorp was $4,793 (January 31, 2026 – $4,742; October 31, 2025 – $4,018). The Bank has significant influence over KeyCorp through a combination of its ownership interest and board representation. During the period, dividends received from KeyCorp of $46 were recognized as a reduction in the carrying value of the investment in associate. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">On December 1, 2025, the Bank completed the sale of its banking operations in Colombia, Costa Rica and Panama to Davivienda Group S.A. in exchange for 20.3% ownership interest in the combined Davivienda Group S.A. The Bank’s ownership consists of 14.99% voting common shares and the remainder in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-voting</div> preferred shares. There is no quoted market price for the common shares. Following the closing, the investment was recognized at a fair value of $1,370 million as the Bank has significant influence over Davivienda Group S.A. given its board representation and ownership interest. Refer to Note 19 for further details. </div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(4)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $591 (January 31, 2026 – $591; October 31, 2025 – $617). The Bank has significant influence over the Bank of Xi’an Co. Ltd. through a combination of its ownership interest and board representation. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(5)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The local regulator requires financial institutions to set aside reserves for general banking risks. These reserves are not required under IFRS, and represent undistributed retained earnings related to a foreign associated corporation, which are subject to local regulatory restrictions. As of April 30, 2026, these reserves amounted to $77 (January 31, 2026 - $76; October 31, 2025 – $76). </div></div></td></tr></table>
United States
Banking
0.149
2026-03-31
4277000000
4338000000
4379000000
Colombia
Banking
0.203
2025-12-31
1425000000
1374000000
China
Banking
0.181
2026-03-31
786000000
727000000
729000000
Curacao
Banking
0.481
2026-03-31
575000000
562000000
570000000
4793000000
4742000000
4018000000
46000000
0.203
0.1499
1370000000
591000000
591000000
617000000
77000000
76000000
76000000
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_11" style="width: 4%; text-align: left; vertical-align: top;">9.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Deposits </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:31%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="26" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="18" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31<br/> 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">October 31<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Payable on demand<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td rowspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" rowspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: right; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Payable</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">after<br/> notice<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td rowspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest-<br/> bearing</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest-</div><br/> bearing</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Payable on a<br/> fixed date<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">37,307</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,328</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">123,046</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">123,559</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">295,240</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 295,199</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 301,718</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">190,437</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">35,239</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">67,697</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">350,932</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">644,305</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">631,375</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">627,667</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Financial institutions</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,339</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">834</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,993</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29,778</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41,944</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">45,108</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">36,894</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">236,083</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47,401</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">193,736</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">504,269</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">981,489</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">971,682</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">966,279</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Recorded in:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canada</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">164,896</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,089</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">179,557</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">332,456</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">701,998</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">700,024</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">692,600</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">United States</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">37,711</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">219</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,031</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">71,568</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">113,529</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">105,006</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">101,495</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">United Kingdom</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">300</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40,884</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41,184</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">41,907</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">34,046</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Mexico</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,294</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,040</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,186</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39,520</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">38,686</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">39,091</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Peru</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,913</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,099</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,925</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,945</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20,194</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">19,917</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Chile</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,434</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,088</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">142</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,390</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,054</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">24,307</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">23,135</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Colombia</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10,408</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other International</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,835</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,957</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,607</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,860</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40,259</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">41,558</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">45,587</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(4)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">236,083</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47,401</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">193,736</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">504,269</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">981,489</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">971,682</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">966,279</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Deposits payable on demand include all deposits for which the Bank may not have the right to notice of withdrawal, generally chequing accounts. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Deposits payable after notice include all deposits for which the Bank may require notice of withdrawal, generally savings accounts. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(4)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Deposits denominated in U.S. dollars amount to $317,453 (January 31, 2026 – $310,021 ; October 31, 2025 – $297,065), deposits denominated in Chilean pesos amount to $20,300 (January 31, 2026 – $20,881; October 31, 2025 – $20,053), deposits denominated in Mexican pesos amount to $36,731 (January 31, 2026 – $35,542; October 31, 2025 – $35,941) and deposits denominated in other foreign currencies amount to $109,608 (January 31, 2026 – $110,665; October 31, 2025 – $117,530). </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="text-indent: 3%; font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table presents the maturity schedule for term deposits in Canada greater than $100,000<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div>. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:42%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Within<br/> three months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Three to<br/> six months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Six to<br/> twelve months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">One to five<br/> years</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Over<br/> five years</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50,686</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">35,285</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">68,997</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">105,503</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,322</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">280,793</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">As at January 31, 2026</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">59,932</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">32,509</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">59,105</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">107,238</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,267</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">277,051</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">As at October 31, 2025</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 54,287</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 37,607</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 57,519</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 109,573</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 15,165</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 274,151</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The majority of foreign term deposits are in excess of $100,000. </div></div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:31%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="26" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="18" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31<br/> 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">October 31<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Payable on demand<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td rowspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" rowspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: right; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Payable</div></div><div style="text-align: right; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">after<br/> notice<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td rowspan="2" style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td colspan="2" style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td>
<td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest-<br/> bearing</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest-</div><br/> bearing</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Payable on a<br/> fixed date<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Personal</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">37,307</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,328</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">123,046</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">123,559</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">295,240</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 295,199</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 301,718</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Business and government</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">190,437</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">35,239</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">67,697</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">350,932</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">644,305</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">631,375</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">627,667</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Financial institutions</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,339</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">834</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,993</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29,778</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41,944</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">45,108</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">36,894</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">236,083</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47,401</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">193,736</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">504,269</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">981,489</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">971,682</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">966,279</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Recorded in:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canada</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">164,896</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,089</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">179,557</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">332,456</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">701,998</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">700,024</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">692,600</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">United States</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">37,711</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">219</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,031</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">71,568</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">113,529</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">105,006</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">101,495</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">United Kingdom</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">300</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40,884</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41,184</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">41,907</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">34,046</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Mexico</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,294</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,040</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,186</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">39,520</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">38,686</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">39,091</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Peru</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,913</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,099</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,925</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,945</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20,194</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">19,917</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Chile</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,434</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,088</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">142</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16,390</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">24,054</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">24,307</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">23,135</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Colombia</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10,408</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other International</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,835</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,957</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,607</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,860</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40,259</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">41,558</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">45,587</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(4)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">236,083</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47,401</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">193,736</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">504,269</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">981,489</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">971,682</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">966,279</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Deposits payable on demand include all deposits for which the Bank may not have the right to notice of withdrawal, generally chequing accounts. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Deposits payable after notice include all deposits for which the Bank may require notice of withdrawal, generally savings accounts. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(4)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Deposits denominated in U.S. dollars amount to $317,453 (January 31, 2026 – $310,021 ; October 31, 2025 – $297,065), deposits denominated in Chilean pesos amount to $20,300 (January 31, 2026 – $20,881; October 31, 2025 – $20,053), deposits denominated in Mexican pesos amount to $36,731 (January 31, 2026 – $35,542; October 31, 2025 – $35,941) and deposits denominated in other foreign currencies amount to $109,608 (January 31, 2026 – $110,665; October 31, 2025 – $117,530). </div></div></td></tr></table>
37307000000
11328000000
123046000000
123559000000
295240000000
295199000000
301718000000
190437000000
35239000000
67697000000
350932000000
644305000000
631375000000
627667000000
8339000000
834000000
2993000000
29778000000
41944000000
45108000000
36894000000
236083000000
47401000000
193736000000
504269000000
981489000000
971682000000
966279000000
164896000000
25089000000
179557000000
332456000000
701998000000
700024000000
692600000000
37711000000
219000000
4031000000
71568000000
113529000000
105006000000
101495000000
0
0
300000000
40884000000
41184000000
41907000000
34046000000
14294000000
8040000000
0
17186000000
39520000000
38686000000
39091000000
11913000000
8000000
1099000000
7925000000
20945000000
20194000000
19917000000
1434000000
6088000000
142000000
16390000000
24054000000
24307000000
23135000000
0
0
0
0
0
10408000000
5835000000
7957000000
8607000000
17860000000
40259000000
41558000000
45587000000
236083000000
47401000000
193736000000
504269000000
981489000000
971682000000
966279000000
317453000000
310021000000
297065000000
20300000000
20881000000
20053000000
36731000000
35542000000
35941000000
109608000000
110665000000
117530000000
<div style="text-indent: 3%; font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table presents the maturity schedule for term deposits in Canada greater than $100,000<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div>. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:42%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Within<br/> three months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Three to<br/> six months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Six to<br/> twelve months</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">One to five<br/> years</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Over<br/> five years</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">50,686</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">35,285</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">68,997</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">105,503</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,322</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">280,793</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">As at January 31, 2026</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">59,932</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">32,509</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">59,105</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">107,238</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,267</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">277,051</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">As at October 31, 2025</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 54,287</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 37,607</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 57,519</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 109,573</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 15,165</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> 274,151</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The majority of foreign term deposits are in excess of $100,000. </div></div></td></tr></table>
50686000000
35285000000
68997000000
105503000000
20322000000
280793000000
59932000000
32509000000
59105000000
107238000000
18267000000
277051000000
54287000000
37607000000
57519000000
109573000000
15165000000
274151000000
100000000000
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_12" style="width: 4%; text-align: left; vertical-align: top;">10.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Capital and financing transactions </div></div></td></tr></table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div> <div style="font-family: arial; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Common shares </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div> <div style="null;text-indent: 0px;"> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 56%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the three months ended</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30, 2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Number of shares</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Amount</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Number of shares</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Amount</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Outstanding at beginning of period</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,232,792,128</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 22,089</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,245,527,961</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 22,136</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Issued in relation to share-based payments, net</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">378,695</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21,402</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; padding-bottom: 0.375pt;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Repurchased for cancellation under the Normal Course Issuer Bid</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6,383,463</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(116</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Outstanding at end of period</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,226,787,360</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,002</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,245,549,363</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">22,138</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table></div> <div style="clear: both; max-height: 0px;"></div> </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div> <div style="null;text-indent: 0px;"><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 57%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the six months ended</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30, 2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Number of shares</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Amount</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Number of shares</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Amount</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Outstanding at beginning of period</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,236,305,738</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,067</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,244,435,686</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 22,054</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Issued in relation to share-based payments, net</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,741,732</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">140</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,113,677</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">84</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; padding-bottom: 0.375pt;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Repurchased for cancellation under the Normal Course Issuer Bid</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(11,260,110</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(205</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Outstanding at end of period</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,226,787,360</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,002</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,245,549,363</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">22,138</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table></div> <div style="clear: both; max-height: 0px;"></div> </div> <div style="font-family: arial; font-size: 9.5pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Normal Course Issuer Bid </div></div></div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">On April 2, 2026, the Bank announced that OSFI and the Toronto Stock Exchange (TSX) approved the Bank’s new normal course issuer bid (the “2026 NCIB”) to repurchase for cancellation up to 15 million of the Bank’s common shares. Purchases under the 2026 NCIB commenced on April 7, 2026. The 2026 NCIB will terminate upon the earlier of: (i) the Bank purchasing 15 million common shares under the 2026 NCIB, (ii) the Bank providing notice of termination, or (iii) April 6, 2027. From the commencement o<div style="display:inline;">f</div> the 2026 NCIB on April 7, 2026 to April 30, 2026, the Bank repurchased and cancelled 2.1 million common shares at an average price of $101.66 per share for a total amount of $218 million, including tax. </div></div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">On May 28, 2025, the Bank announced that OSFI and the Toronto Stock Exchange (TSX) approved a normal course issuer bid (the “2025 NCIB”) pursuant to which it may repurchase for cancellation up to 20 million of the Bank’s common shares. Th<div style="display:inline;">e</div> 2025 NCIB commenced on May 30, 2025, and terminated on April 6, 2026. From commencement of the 2025 NCIB until April 1,2026, the Bank repurchased and cancelled all of the 20 million common shares at an average price of $90.47 per share for a total amount of $1,846 million, including tax. </div></div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">During the quarter ended April 30, 2026, the Bank repurchased and cancelled approximately 6.4 <div style="null;text-indent: 0px;display:inline;">million common shares, including 2.1 </div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;">million common shares under the 2026 NCIB, at an average price of</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> $100.65 per share for a total of $655 million, including tax. </div></div></div> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"> </div> <div style="display:inline;"></div><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"> </div>
<div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 56%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the three months ended</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30, 2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Number of shares</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Amount</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Number of shares</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Amount</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Outstanding at beginning of period</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,232,792,128</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 22,089</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,245,527,961</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 22,136</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Issued in relation to share-based payments, net</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">378,695</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21,402</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; padding-bottom: 0.375pt;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Repurchased for cancellation under the Normal Course Issuer Bid</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6,383,463</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(116</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Outstanding at end of period</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,226,787,360</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,002</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,245,549,363</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">22,138</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table></div> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 57%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the six months ended</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30, 2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Number of shares</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Amount</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Number of shares</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Amount</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Outstanding at beginning of period</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,236,305,738</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,067</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,244,435,686</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 22,054</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Issued in relation to share-based payments, net</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,741,732</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">140</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,113,677</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">84</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; padding-bottom: 0.375pt;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Repurchased for cancellation under the Normal Course Issuer Bid</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(11,260,110</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(205</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Outstanding at end of period</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,226,787,360</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">22,002</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">1,245,549,363</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">22,138</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table></div>
1232792128
22089000000
1245527961
22136000000
378695
29000000
21402
2000000
-6383463
116000000
1226787360
22002000000
1245549363
22138000000
1236305738
22067000000
1244435686
22054000000
1741732
140000000
1113677
84000000
-11260110
205000000
1226787360
22002000000
1245549363
22138000000
15000000
15000000
2100000
101.66
218000000
20000000
20000000
90.47
1846000000
6400000
2100000
100.65
655000000
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_13" style="width: 4%; text-align: left; vertical-align: top;">11.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Capital management </div></div></td></tr></table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank’s regulatory capital, total loss absorbing capacity and leverage measures were as follows: </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div> <div style="null;text-indent: 0px;"><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:66%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">October 31<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Capital<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Common Equity Tier 1 capital</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">62,972</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">62,972</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">62,752</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net Tier 1 capital</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">72,961</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">72,956</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">72,790</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total regulatory capital</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">80,724</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">80,797</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">80,908</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total loss absorbing capacity (TLAC)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">135,476</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">135,635</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">138,049</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Risk-weighted assets/exposures used in calculation of capital ratios</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Risk-weighted assets<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">474,440</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">474,253</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">474,453</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Leverage exposures<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 1,689,877</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 1,642,918</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 1,622,415</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Regulatory ratios<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Common Equity Tier 1 capital ratio</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13.3</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13.2</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Tier 1 capital ratio</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15.4</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15.3</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total capital ratio</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17.0</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17.1</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total loss absorbing capacity ratio<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">28.6</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">29.1</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Leverage ratio<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.4</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.5</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total loss absorbing capacity leverage ratio<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; padding-bottom: 0.5pt; border-bottom: 0.75pt solid black;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid black;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">8.3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">% </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">8.5</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">% </td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The Q1 2026 and Q2 2026 regulatory capital ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2025). The prior period regulatory capital ratios were based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2023). </div></div></td></tr></table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">This measure has been disclosed in this document in accordance with OSFI Guideline – Total Loss Absorbing Capacity (September 2018). </div></div></td></tr></table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The leverage ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Leverage Requirements (February 2023). </div></div></td></tr></table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div> <div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank substantially exceeded the OSFI minimum regulatory capital and TLAC ratios as at April 30, 2026, including the Domestic Stability Buffer requirement. In addition, the Bank substantially exceeded the OSFI minimum leverage and TLAC leverage ratios as at April 30, 2026. </div></div></div> <div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div>
<div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank’s regulatory capital, total loss absorbing capacity and leverage measures were as follows: </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div> <div style="null;text-indent: 0px;"><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:66%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">October 31<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Capital<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Common Equity Tier 1 capital</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">62,972</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">62,972</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">62,752</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net Tier 1 capital</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">72,961</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">72,956</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">72,790</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total regulatory capital</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">80,724</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">80,797</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">80,908</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total loss absorbing capacity (TLAC)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">135,476</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">135,635</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">138,049</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Risk-weighted assets/exposures used in calculation of capital ratios</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Risk-weighted assets<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">474,440</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">474,253</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">474,453</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Leverage exposures<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"> 1,689,877</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 1,642,918</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 1,622,415</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Regulatory ratios<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Common Equity Tier 1 capital ratio</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13.3</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13.2</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Tier 1 capital ratio</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15.4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15.4</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15.3</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total capital ratio</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17.0</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17.1</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total loss absorbing capacity ratio<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28.6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">28.6</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">29.1</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Leverage ratio<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4.3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.4</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4.5</td>
<td style="vertical-align: bottom; white-space: nowrap;">% </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total loss absorbing capacity leverage ratio<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8.0</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; padding-bottom: 0.5pt; border-bottom: 0.75pt solid black;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">% </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid black;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">8.3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">% </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">8.5</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">% </td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The Q1 2026 and Q2 2026 regulatory capital ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2025). The prior period regulatory capital ratios were based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2023). </div></div></td></tr></table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">This measure has been disclosed in this document in accordance with OSFI Guideline – Total Loss Absorbing Capacity (September 2018). </div></div></td></tr></table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The leverage ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Leverage Requirements (February 2023). </div></div></td></tr></table>
62972000000
62972000000
62752000000
72961000000
72956000000
72790000000
80724000000
80797000000
80908000000
135476000000
135635000000
138049000000
474440000000
474253000000
474453000000
1689877000000
1642918000000
1622415000000
0.133
0.133
0.132
0.154
0.154
0.153
0.17
0.17
0.171
0.286
0.286
0.291
0.043
0.044
0.045
0.08
0.083
0.085
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_14" style="width: 4%; text-align: left; vertical-align: top;">12.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Share-based payments </div></div></td></tr></table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">In Q1 2026, the Bank granted 1,428,056 options with an exercise price of $100.35 per option and a weighted average fair value of $10.68 to select employees, under the terms of the Employee Stock Option Plan. These stock options vest 50% at the end of the third year and 50% at the end of the fourth year.</div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank recorded an increase to equity – other reserves of $2 million for the three months ended April 30, 2026 and $10 million for the six months ended April 30, 2026 (April 30, 2025 – $3 million and $11 million), as a result of equity-classified share-based payment expense. </div></div>
1428056
100.35
10.68
0.50
0.50
2000000
10000000
3000000
11000000
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_15" style="width: 4%; text-align: left; vertical-align: top;">13.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Employee benefits </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Employee benefits include pensions, other post-retirement benefits, and post-employment benefits. The following table summarizes the expenses for the Bank’s principal plans<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div>. </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:50%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the three months ended</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Pension plans</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Other benefit plans</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">January 31<br/> 2026</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">April 30<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">January 31<br/> 2026</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">April 30<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Defined benefit service cost</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">60</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">61</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Interest on net defined benefit (asset) liability</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(6</td>
<td style="vertical-align: bottom; white-space: nowrap;">)</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(3</td>
<td style="vertical-align: bottom; white-space: nowrap;">)</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">16</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">16</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">3</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">3</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Defined benefit expense</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">57</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">57</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">61</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">21</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">21</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Defined contribution expense</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">58</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">56</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">53</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Actuarial gains (losses) on employee benefit plans in other comprehensive income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 65</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 275</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> (246</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> (1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> (7</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> (9</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td></tr>
<tr>
<td style="width: 50%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr></table><div style="null;text-indent: 0px;"><div style="clear:both;max-height:0pt;"></div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><br/></div><div style="clear: both; max-height: 0px;"></div></div><div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 69%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the six months ended</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Pension plans</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Other benefit plans</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Defined benefit service cost</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">120</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">145</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Interest on net defined benefit (asset) liability</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(12</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(7</td>
<td style="vertical-align: bottom; white-space: nowrap;">)</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">32</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">31</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">6</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Defined benefit expense</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">114</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">144</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">42</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Defined contribution expense</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">114</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">102</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Actuarial gains (losses) on employee benefit plans in other comprehensive income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 340</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 27</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> (8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> (22</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td></tr>
<tr>
<td style="width: 69%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="null;text-indent: 0px;"><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Other plans operated by certain subsidiaries of the Bank are not considered material and are not included in this note. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in discount rates and return on plan assets are reviewed and updated on a quarterly basis. In the absence of legislated changes, all other assumptions are updated annually. </div></div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:50%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the three months ended</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Pension plans</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Other benefit plans</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">January 31<br/> 2026</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">April 30<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/> 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">January 31<br/> 2026</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">April 30<br/> 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Defined benefit service cost</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">60</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">60</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">61</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Interest on net defined benefit (asset) liability</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(6</td>
<td style="vertical-align: bottom; white-space: nowrap;">)</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(3</td>
<td style="vertical-align: bottom; white-space: nowrap;">)</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">16</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">16</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">16</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">3</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">3</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Defined benefit expense</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">57</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">57</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">61</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">21</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">21</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Defined contribution expense</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">58</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">56</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">53</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Actuarial gains (losses) on employee benefit plans in other comprehensive income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 65</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 275</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> (246</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> (1</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> (7</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> (9</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td></tr>
<tr>
<td style="width: 50%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr></table><div style="null;text-indent: 0px;"><div style="clear:both;max-height:0pt;"></div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><br/></div><div style="clear: both; max-height: 0px;"></div><div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 69%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the six months ended</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Pension plans</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Other benefit plans</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Defined benefit service cost</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">120</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">145</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Interest on net defined benefit (asset) liability</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(12</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(7</td>
<td style="vertical-align: bottom; white-space: nowrap;">)</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">32</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">31</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">6</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Defined benefit expense</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">114</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">144</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">42</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Defined contribution expense</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">114</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">102</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Actuarial gains (losses) on employee benefit plans in other comprehensive income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 340</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> 27</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> (8</div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: 1pt solid rgb(0, 0, 0);"> (22</td>
<td style="white-space: nowrap; vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);">) </td></tr>
<tr>
<td style="width: 69%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="null;text-indent: 0px;"><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Other plans operated by certain subsidiaries of the Bank are not considered material and are not included in this note. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Changes in discount rates and return on plan assets are reviewed and updated on a quarterly basis. In the absence of legislated changes, all other assumptions are updated annually. </div></div></td></tr></table>
-60000000
-60000000
-61000000
-5000000
-5000000
-6000000
6000000
6000000
3000000
-16000000
-16000000
-16000000
-3000000
-3000000
-3000000
1000000
1000000
57000000
57000000
61000000
20000000
21000000
21000000
58000000
56000000
53000000
65000000
275000000
-246000000
-1000000
-7000000
-9000000
-120000000
-145000000
-10000000
-11000000
12000000
7000000
-32000000
-31000000
-6000000
-6000000
1000000
114000000
144000000
41000000
42000000
114000000
102000000
1000000
340000000
27000000
-8000000
-22000000
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_16" style="width: 4%; text-align: left; vertical-align: top;">14.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Operating segments </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">The Bank’s businesses are grouped into four business lines: Canadian Banking, International Banking, Global Wealth Management and Global Banking and Markets. The Bank’s other smaller business segments and corporate adjustments are included in the Other segment. </div>The accounting policies used in these segments are generally consistent with those followed in the preparation of the consolidated financial statements as disclosed in Note 3. </div></div><div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;">Effective Q1 2026, the Bank no longer analyzes business segment revenues on a taxable equivalent basis (TEB). Under the TEB methodology, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">tax-exempt</div> income earned on certain securities reported in either net interest income or <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> income was grossed up to an equivalent before tax basis. It also grossed up net income from associated corporations to normalize the effective tax rate in the business lines. Corresponding increases were made to the provision for income taxes; hence, there was no impact on the segment’s net income. The elimination of the TEB <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">gross-up</div> was recorded in the Other segment, resulting in no impact on the consolidated results. The TEB <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">gross-up</div> recorded in the business segments has significantly decreased in recent quarters as the Bank no longer claims the dividend received deduction on Canadian shares, following the enactment of Bill <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">C-59</div> in January 2024. Prior period results have not been restated and include a TEB <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">gross-up</div> of $9 for the three months ended April 30, 2025 and $17 for the six months ended April 30, 2025, impacting the International Banking business segment. </div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div><div> <div style="null;text-indent: 0px;"><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 50%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the three months ended April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Canadian<br/>Banking</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">International<br/>Banking</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global<br/>Wealth<br/>Management</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global<br/>Banking and<br/>Markets</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Other</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net interest income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,703</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,094</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">306</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">389</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 5,521</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)(3)</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">780</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">765</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,454</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,203</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 114</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 4,316</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total revenues</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,483</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,859</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,760</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,592</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">143</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,837</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">575</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">599</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,217</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Depreciation and amortization</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">142</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">124</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">59</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">410</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,478</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,246</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,069</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">906</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">80</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,779</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for income taxes</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">353</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">154</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">164</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">132</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">799</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">935</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">736</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">476</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">457</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,632</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">35</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">37</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to equity holders of the Bank</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">935</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">701</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">474</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">457</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,595</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">475</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">211</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">568</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">222</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,517</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">374</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">170</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">55</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">556</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">274</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,429</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;"> </div> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(<div style="letter-spacing: 0px; top: 0px;display:inline;">3</div>)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes income from associated corporations for Canadian Banking – $(2), International Banking – $65, and Other – $159. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="text-align: right; font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:51%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the three months ended January 31, 2026</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">Canadian<br/> Banking</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">International<br/> Banking</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Global Wealth<br/> Management</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Global<br/> Banking and<br/> Markets</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">Other</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Total</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net interest income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 2,734</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 2,146</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">304</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">398</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 5,582</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">780</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">815</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 1,497</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 1,370</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> (398</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(<div style="letter-spacing: 0px; top: 0px;display:inline;">4</div>)</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">4,064</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total revenues</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,514</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,961</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,801</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,768</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(398</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,646</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">576</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">536</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">60</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,176</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Depreciation and amortization</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">137</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">118</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">45</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">53</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">32</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">385</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,478</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,342</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,101</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">959</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">34</td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(<div style="letter-spacing: 0px; top: 0px;display:inline;">4</div>)</div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,914</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for income taxes</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">363</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">228</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">167</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">152</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(38</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">872</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">960</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">737</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">484</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">544</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(426</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,299</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">20</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">3</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(10</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">12</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to equity holders of the Bank</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">960</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">717</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">481</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">545</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(416</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,287</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">472</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">219</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">40</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">546</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">221</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,498</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">378</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">172</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">55</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">551</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">253</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1,409</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(<div style="letter-spacing: 0px; top: 0px;display:inline;">3</div>)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes income from associated corporations for Canadian Banking – $(9), International Banking – $48, and Other – $150. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(4)</td>
<td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:7.5pt; font-family:arial narrow;text-align:left">Includes the loss related to the sale of the banking operations in Colombia, Costa Rica and Panama. Refer to Note 19 for further details. </div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:49%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the three months ended April 30, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Canadian<br/>Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">International<br/>Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global Wealth<br/>Management</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global<br/>Banking and<br/>Markets</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Other</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net interest income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 2,524</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 2,179</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">246</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">368</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(47</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 5,270</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">711</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">780</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 1,295</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 1,090</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(66</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">3,810</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total revenues</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,235</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,959</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,541</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,458</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(113</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,080</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">805</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">550</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">40</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,398</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Depreciation and amortization</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">139</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">115</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">48</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">65</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">26</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">393</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,442</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,408</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">949</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">813</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">105</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,717</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for income taxes</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">236</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">172</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">141</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">128</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(137</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">540</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">613</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">714</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">401</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">412</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> (108</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,032</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">38</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">2</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">17</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">56</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to equity holders of the Bank</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">613</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">676</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">399</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">413</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(125</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,976</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">461</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">229</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">38</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">502</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">238</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,468</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">384</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">177</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">47</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">516</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">258</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1,382</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(<div style="letter-spacing: 0px; top: 0px;display:inline;">3</div>)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $(2), International Banking – $38, and Other – $123. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="clear: both; max-height: 0px;"></div><div><div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 47%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the six months ended April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Canadian<br/>Banking</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">International<br/>Banking</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global Wealth<br/>Management</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global<br/>Banking and<br/>Markets</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Other</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net interest income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 5,437</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 4,240</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 610</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">787</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 11,103</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,560</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,580</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,951</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,573</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(284</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(<div style="letter-spacing: 0px; top: 0px;display:inline;">4</div>)</div> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,380</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total revenues</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,997</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,820</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 3,561</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,360</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(255</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">19,483</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,151</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,135</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">98</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,393</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Depreciation and amortization</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">279</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">242</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">92</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">112</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">70</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">795</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,956</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,588</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,170</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,865</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">114</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(<div style="letter-spacing: 0px; top: 0px;display:inline;">4</div>)</div> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,693</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for income taxes</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">716</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">382</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">331</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">284</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(42</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,671</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,895</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,473</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">960</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,001</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(398</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,931</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">55</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to equity holders of the Bank</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,895</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,418</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">955</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,002</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(388</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,882</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">473</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">215</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">557</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">221</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,507</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">376</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">171</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">55</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">553</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">264</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,419</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(<div style="letter-spacing: 0px; top: 0px;display:inline;">3</div>)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes income from associated corporations for Canadian Banking – $(11), International Banking – $113, and Other – $309. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(4)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial narrow; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt;">Includes the loss related to the sale of the banking operations in Colombia, Costa Rica and Panama. Refer to Note 19 for further details. </div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:50%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the six months ended April 30, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Canadian<br/>Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">International<br/>Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global Wealth<br/>Management</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global<br/>Banking and<br/>Markets</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Other</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net interest income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 5,171</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 4,348</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">478</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">687</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(241</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 10,443</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,476</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,641</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 2,642</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 2,365</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(115</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">8,009</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total revenues</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,647</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,989</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,120</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,052</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(356</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,452</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,343</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,152</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">58</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,560</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Depreciation and amortization</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">275</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">245</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">95</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">129</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">52</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">796</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,917</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,831</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,924</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,640</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 1,493</td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(<div style="letter-spacing: 0px; top: 0px;display:inline;">4</div>)</div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10,805</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for income taxes</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">586</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">361</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">285</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">296</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(262</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,266</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,526</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,400</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">810</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">929</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1,640</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">3,025</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">73</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">4</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(174</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(98</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to equity holders of the Bank</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,526</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,327</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">806</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">930</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1,466</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">3,123</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average assets<div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> ($ billions) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">461</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">229</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">38</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">506</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">230</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,464</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">385</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">176</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">45</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">513</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">260</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1,379</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Card revenues and Banking services fees are mainly earned in Canadian Banking and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(<div style="letter-spacing: 0px; top: 0px;display:inline;">3</div>)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $22, International Banking – $73, and Other – $177. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(4)</td>
<td style="vertical-align:top;text-align:left"> <div style=" margin-top:0pt ; margin-bottom:0pt; font-size:7.5pt; font-family:arial narrow;text-align:left">Includes the impairment loss related to the announced sale of the banking operations in Colombia, Costa Rica and Panama. Refer to Note 19 for further details. </div></td></tr></table>
The Bank’s businesses are grouped into four business lines: Canadian Banking, International Banking, Global Wealth Management and Global Banking and Markets. The Bank’s other smaller business segments and corporate adjustments are included in the Other segment.
9000000
17000000
<div style="null;text-indent: 0px;"><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 50%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the three months ended April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Canadian<br/>Banking</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">International<br/>Banking</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global<br/>Wealth<br/>Management</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global<br/>Banking and<br/>Markets</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Other</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net interest income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,703</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,094</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">306</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">389</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 5,521</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)(3)</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">780</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">765</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,454</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,203</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 114</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 4,316</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total revenues</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,483</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,859</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,760</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,592</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">143</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,837</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">575</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">599</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,217</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Depreciation and amortization</div></div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">142</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">124</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">59</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">410</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div></td>
<td style="vertical-align: bottom; width: 1%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,478</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,246</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,069</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">906</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">80</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,779</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for income taxes</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">353</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">154</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">164</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">132</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(4</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">799</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">935</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">736</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">476</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">457</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,632</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">35</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">37</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 50%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to equity holders of the Bank</div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">935</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">701</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">474</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">457</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,595</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 50%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">475</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">211</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 3%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">568</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">222</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,517</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; width: 2%; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">374</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">170</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">55</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">556</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">274</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,429</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;"> </div> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(<div style="letter-spacing: 0px; top: 0px;display:inline;">3</div>)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes income from associated corporations for Canadian Banking – $(2), International Banking – $65, and Other – $159. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="clear: both; max-height: 0px;"></div><div style="text-align: right; font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:51%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the three months ended January 31, 2026</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">Canadian<br/> Banking</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">International<br/> Banking</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Global Wealth<br/> Management</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Global<br/> Banking and<br/> Markets</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">Other</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Total</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net interest income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 2,734</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 2,146</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">304</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">398</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 5,582</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">780</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">815</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 1,497</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 1,370</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> (398</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(<div style="letter-spacing: 0px; top: 0px;display:inline;">4</div>)</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">4,064</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total revenues</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,514</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,961</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,801</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,768</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(398</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,646</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">576</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">536</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">60</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,176</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Depreciation and amortization</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">137</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">118</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">45</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">53</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">32</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">385</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,478</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,342</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,101</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">959</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">34</td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(<div style="letter-spacing: 0px; top: 0px;display:inline;">4</div>)</div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,914</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for income taxes</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">363</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">228</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">167</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">152</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(38</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">872</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">960</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">737</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">484</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">544</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(426</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,299</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">20</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">3</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(10</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">12</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to equity holders of the Bank</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">960</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">717</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">481</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">545</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(416</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,287</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">472</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">219</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">40</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">546</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">221</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,498</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">378</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">172</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">55</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">551</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">253</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1,409</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(<div style="letter-spacing: 0px; top: 0px;display:inline;">3</div>)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes income from associated corporations for Canadian Banking – $(9), International Banking – $48, and Other – $150. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(4)</td>
<td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:7.5pt; font-family:arial narrow;text-align:left">Includes the loss related to the sale of the banking operations in Colombia, Costa Rica and Panama. Refer to Note 19 for further details. </div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:49%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the three months ended April 30, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Canadian<br/>Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">International<br/>Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global Wealth<br/>Management</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global<br/>Banking and<br/>Markets</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Other</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net interest income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 2,524</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 2,179</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">246</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">368</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(47</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 5,270</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">711</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">780</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 1,295</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 1,090</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(66</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">3,810</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total revenues</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,235</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,959</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,541</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,458</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(113</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,080</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">805</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">550</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">40</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,398</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Depreciation and amortization</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">139</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">115</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">48</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">65</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">26</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">393</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,442</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,408</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">949</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">813</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">105</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,717</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for income taxes</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">236</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">172</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">141</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">128</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(137</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">540</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">613</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">714</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">401</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">412</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> (108</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,032</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">38</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">2</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">17</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">56</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to equity holders of the Bank</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">613</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">676</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">399</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">413</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(125</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,976</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">461</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">229</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">38</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">502</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">238</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,468</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">384</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">177</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">47</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">516</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">258</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1,382</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(<div style="letter-spacing: 0px; top: 0px;display:inline;">3</div>)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $(2), International Banking – $38, and Other – $123. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div><div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 47%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the six months ended April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Canadian<br/>Banking</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">International<br/>Banking</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global Wealth<br/>Management</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Global<br/>Banking and<br/>Markets</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Other</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net interest income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 5,437</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 4,240</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 610</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">787</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 11,103</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,560</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,580</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,951</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,573</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(284</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(<div style="letter-spacing: 0px; top: 0px;display:inline;">4</div>)</div> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,380</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total revenues</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,997</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,820</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 3,561</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,360</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(255</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">19,483</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,151</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,135</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">98</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,393</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Depreciation and amortization</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">279</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">242</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">92</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">112</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">70</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">795</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,956</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,588</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,170</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,865</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">114</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(<div style="letter-spacing: 0px; top: 0px;display:inline;">4</div>)</div> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,693</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for income taxes</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">716</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">382</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">331</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">284</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(42</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,671</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,895</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,473</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">960</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 1,001</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(398</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,931</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">55</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(10</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">49</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to equity holders of the Bank</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,895</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,418</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">955</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,002</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(388</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,882</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average assets <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">473</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">215</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">557</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">221</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,507</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">376</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">171</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">55</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">553</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">264</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,419</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(<div style="letter-spacing: 0px; top: 0px;display:inline;">3</div>)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes income from associated corporations for Canadian Banking – $(11), International Banking – $113, and Other – $309. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(4)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial narrow; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt;">Includes the loss related to the sale of the banking operations in Colombia, Costa Rica and Panama. Refer to Note 19 for further details. </div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:50%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:2%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:2%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">For the six months ended April 30, 2025</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Canadian<br/>Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">International<br/>Banking</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global Wealth<br/>Management</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Global<br/>Banking and<br/>Markets</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:right">Other</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Total</td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net interest income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 5,171</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 4,348</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">478</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">687</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(241</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 10,443</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-interest</div> income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)(3)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,476</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,641</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 2,642</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> 2,365</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(115</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">8,009</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total revenues</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,647</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,989</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,120</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,052</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(356</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,452</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for credit losses</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,343</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,152</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">58</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,560</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Depreciation and amortization</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">275</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">245</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">95</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">129</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">52</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">796</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Other <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> expenses</div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,917</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,831</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,924</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,640</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 1,493</td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(<div style="letter-spacing: 0px; top: 0px;display:inline;">4</div>)</div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10,805</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Provision for income taxes</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">586</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">361</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">285</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">296</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(262</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,266</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,526</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,400</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">810</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">929</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1,640</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">3,025</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Net income attributable to <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-controlling</div> interests in subsidiaries</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">73</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">4</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(174</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(98</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to equity holders of the Bank</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,526</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,327</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">806</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">930</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(1,466</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">3,123</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average assets<div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> ($ billions) </div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">461</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">229</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">38</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">506</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">230</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,464</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Average liabilities <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ billions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">385</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">176</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">45</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">513</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">260</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1,379</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(1)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="width: 3%; text-align: left; vertical-align: top;"><div style="letter-spacing: 0px; top: 0px;display:inline;">(2)</div></td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Card revenues and Banking services fees are mainly earned in Canadian Banking and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. </div></div></div></td></tr></table><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(<div style="letter-spacing: 0px; top: 0px;display:inline;">3</div>)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $22, International Banking – $73, and Other – $177. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside:avoid">
<td style="width:4%"> </td>
<td style="width:3%;vertical-align:top;text-align:left">(4)</td>
<td style="vertical-align:top;text-align:left"> <div style=" margin-top:0pt ; margin-bottom:0pt; font-size:7.5pt; font-family:arial narrow;text-align:left">Includes the impairment loss related to the announced sale of the banking operations in Colombia, Costa Rica and Panama. Refer to Note 19 for further details. </div></td></tr></table>
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<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_17" style="width: 4%; text-align: left; vertical-align: top;">15.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Interest income and expense </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div><div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 30%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the three months ended</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the six months ended</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31, 2026</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30, 2025</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30, 2025</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/>income</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/>expense</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Interest<br/>income</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Interest<br/>expense</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Interest<br/>income</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Interest<br/>expense</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/>income</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/>expense</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Interest<br/>income</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Interest<br/>expense</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Measured at amortized cost<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,676</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,519</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,931</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,693</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12,588</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,955</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,607</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,212</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25,723</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,701</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Measured at FVOCI<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,172</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,194</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,355</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,366</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,797</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,848</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,519</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13,125</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,693</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13,943</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,955</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,973</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,212</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">28,520</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,701</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">247</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">55</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">206</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">56</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">344</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">62</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">453</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">111</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">747</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">123</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,095</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,574</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> 13,331</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> 7,749</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> 14,287</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">9,017</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">26,426</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 15,323</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">29,267</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">18,824</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The interest income/expense on financial assets/liabilities are calculated using the effective interest method. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes dividend income on equity securities. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes interest on lease liabilities for the three months ended April 30, 2026 – $39<div style="display:inline;"> </div>(January 31, 2026 – $31; April 30, 2025 – $31) and for the six months ended April 30, 2026 – $70<div style="display:inline;"> </div>(April 30, 2025 – $63) and insurance finance expense for the three months ended April 30, 2026 – $8 (January 31, 2026 – $8; April 30, 2025 – $9) and for the six months ended April 30, 2026 – $16<div style="display:inline;"> </div>(April 30, 2025 – $17). </div></div></td></tr></table>
<div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 30%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the three months ended</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the six months ended</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31, 2026</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30, 2025</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30, 2025</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/>income</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/>expense</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Interest<br/>income</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Interest<br/>expense</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Interest<br/>income</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Interest<br/>expense</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/>income</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Interest<br/>expense</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Interest<br/>income</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Interest<br/>expense</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Measured at amortized cost<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,676</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,519</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,931</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,693</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12,588</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,955</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,607</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,212</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25,723</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,701</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Measured at FVOCI<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,172</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,194</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,355</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,366</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,797</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,848</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,519</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13,125</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,693</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13,943</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,955</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">25,973</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,212</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">28,520</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,701</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">247</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">55</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">206</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">56</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">344</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">62</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">453</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">111</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">747</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">123</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">13,095</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7,574</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> 13,331</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> 7,749</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> 14,287</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">9,017</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">26,426</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">$</div></div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 15,323</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">29,267</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">18,824</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div></div><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The interest income/expense on financial assets/liabilities are calculated using the effective interest method. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes dividend income on equity securities. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Includes interest on lease liabilities for the three months ended April 30, 2026 – $39<div style="display:inline;"> </div>(January 31, 2026 – $31; April 30, 2025 – $31) and for the six months ended April 30, 2026 – $70<div style="display:inline;"> </div>(April 30, 2025 – $63) and insurance finance expense for the three months ended April 30, 2026 – $8 (January 31, 2026 – $8; April 30, 2025 – $9) and for the six months ended April 30, 2026 – $16<div style="display:inline;"> </div>(April 30, 2025 – $17). </div></div></td></tr></table>
11676000000
-7519000000
11931000000
-7693000000
12588000000
-8955000000
23607000000
-15212000000
25723000000
-18701000000
1172000000
1194000000
1355000000
2366000000
2797000000
12848000000
7519000000
13125000000
7693000000
13943000000
8955000000
25973000000
15212000000
28520000000
18701000000
247000000
55000000
206000000
56000000
344000000
62000000
453000000
111000000
747000000
123000000
13095000000
7574000000
13331000000
7749000000
14287000000
9017000000
26426000000
15323000000
29267000000
18824000000
39000000
31000000
31000000
70000000
63000000
8000000
8000000
9000000
16000000
17000000
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_18" style="width: 4%; text-align: left; vertical-align: top;">16.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Earnings per share </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div><div style="null;text-indent: 0px;"><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 58%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the three months ended</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the six months<br/>ended</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Basic earnings per common share</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Net income attributable to common shareholders</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,468</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,155</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 1,841</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 4,623</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,866</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Weighted average number of common shares outstanding <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,230</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,235</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,246</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,233</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,245</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Basic earnings per common share<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> (in dollars)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.01</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1.75</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1.48</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.75</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">2.30</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Diluted earnings per common share</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to common shareholders</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,468</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,155</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,841</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,623</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,866</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Dilutive impact of share-based payment options and others<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(9</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(180</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to common shareholders (diluted)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,468</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,146</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,841</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,614</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,686</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Weighted average number of common shares outstanding <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,230</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,235</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,246</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,233</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,245</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Dilutive impact of share-based payment options and others<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">3</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">5</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Weighted average number of diluted common shares outstanding <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,232</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,238</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,246</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,236</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,250</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Diluted earnings per common share<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> (in dollars)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.00</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1.73</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1.48</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.73</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">2.15</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Earnings per share calculations are based on full dollar and share amounts. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Certain options were not included in the calculation of diluted earnings per share as they were anti-dilutive. </div></div></td></tr></table>
<div style="null;text-indent: 0px;"><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 58%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the three months ended</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the six months<br/>ended</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Basic earnings per common share</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Net income attributable to common shareholders</div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,468</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,155</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 1,841</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 4,623</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"> 2,866</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Weighted average number of common shares outstanding <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,230</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,235</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,246</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,233</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,245</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Basic earnings per common share<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> (in dollars)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.01</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1.75</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1.48</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.75</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">2.30</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Diluted earnings per common share</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to common shareholders</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,468</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,155</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,841</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,623</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,866</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Dilutive impact of share-based payment options and others<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(9</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">(180</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">) </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Net income attributable to common shareholders (diluted)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,468</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,146</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,841</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,614</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">2,686</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Weighted average number of common shares outstanding <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,230</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,235</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,246</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,233</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,245</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Dilutive impact of share-based payment options and others<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div> <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">3</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">5</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Weighted average number of diluted common shares outstanding <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,232</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,238</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,246</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,236</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);">1,250</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;">Diluted earnings per common share<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> (in dollars)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.00</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1.73</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1.48</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3.73</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">2.15</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Earnings per share calculations are based on full dollar and share amounts. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Certain options were not included in the calculation of diluted earnings per share as they were anti-dilutive. </div></div></td></tr></table>
2468000000
2155000000
1841000000
4623000000
2866000000
1230000000
1235000000
1246000000
1233000000
1245000000
2.01
1.75
1.48
3.75
2.3
2468000000
2155000000
1841000000
4623000000
2866000000
-9000000
-9000000
-180000000
2468000000
2146000000
1841000000
4614000000
2686000000
1230000000
1235000000
1246000000
1233000000
1245000000
2000000
3000000
3000000
5000000
1232000000
1238000000
1246000000
1236000000
1250000000
2
1.73
1.48
3.73
2.15
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 11.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td id="tx108070_19" style="width: 4%; text-align: left; vertical-align: top;">17.</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Fair value of financial instruments </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(a) Financial instruments designated at fair value through profit or loss </div></div><div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">In accordance with its risk management strategy, the Bank has elected to designate certain senior note liabilities at fair value through profit or loss to reduce an accounting mismatch between fair value changes in these instruments and fair value changes in related derivatives, and where a hybrid financial liability contains one or more embedded derivatives that are not closely related to the host contract. Changes in fair value of financial liabilities arising from the Bank’s own credit risk are recognized in other comprehensive income, without subsequent reclassification to net income. </div></div><div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The cumulative fair value adjustment due to own credit risk is determined at a point in time by comparing the present value of expected future cash flows over the term of these liabilities discounted at the Bank’s effective funding rate, and the present value of expected future cash flows discounted at a benchmark rate. </div></div><div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table presents the fair value of liabilities designated at fair value through profit or loss and their changes in fair value. </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div><div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 35%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Fair value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: center; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Change in fair value<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></div><div style="text-align: center; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Gains/(Losses)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: center; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Cumulative change in fair value<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></div><div style="text-align: center; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Gains/(Losses)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the three months ended</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Liabilities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Senior note liabilities<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,629</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">47,740</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">39,127</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">507</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">(105</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1,611</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 8pt; font-family: Arial, sans-serif; letter-spacing: 0px; top: 0px;display:inline;">3,672</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">3,165</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">6,237</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: "arial narrow"; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Change in the difference between the contractual maturity amount and the carrying value. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: "arial narrow"; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The cumulative change in fair value is measured from the instrument’s date of initial recognition. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Changes in fair value attributable to changes in the Bank’s own credit risk are recorded in other comprehensive income. Other changes in fair value are recorded in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> income – trading revenues. The offsetting fair value changes from associated derivatives is also recorded in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> income – trading revenues. </div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table presents the changes in fair value attributable to changes in the Bank’s own credit risk for financial liabilities designated at fair value through profit or loss as well as their contractual maturity and carrying amounts. </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:37%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="18" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Senior note liabilities</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Contractual<br/> maturity<br/> amount</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> <br/> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Carrying value</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> <br/> <br/> <br/> <br/> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Difference<br/> between<br/> contractual<br/> maturity<br/> amount and<br/> carrying<br/> value</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> <br/> <br/> <br/> <br/> <br/> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> <br/> <br/> <br/> <br/> <br/> <br/> <br/> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Changes in fair value<br/> for the three<br/> months period<br/> attributable to<br/> changes in own<br/> credit risk<br/> recorded in other<br/> comprehensive<br/> income<br/> Gains/(Losses)</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> <br/> <br/> <br/> <br/> <br/> <br/> <br/> <br/> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> <br/> <br/> <br/> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Cumulative changes<br/> in fair value<br/> attributable to<br/> changes in own<br/> credit risk<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div><br/> Gains/(Losses)</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> <br/> <br/> <br/> <br/> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,301</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,629</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,672</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">413</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,439</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">As at January 31, 2026</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">50,905</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,740</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(246</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(1,852</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">As at April 30, 2025</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> 45,364</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> 39,127</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> 6,237</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> 512</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> (665</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">) </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The cumulative change in fair value is measured from the instruments’ date of initial recognition. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-family: arial; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(b) Financial instruments – fair value </div></div> <div style="font-family: arial; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Fair value of financial instruments </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The calculation of fair value is based on market conditions at a specific point in time and therefore may not be reflective of future fair values. The Bank has controls and processes in place to ensure that the valuation of financial instruments is appropriately determined. </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Refer to Note 6 of the audited consolidated financial statements in the 2025 Annual Report for the valuation techniques used to fair value its significant financial assets and liabilities. </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;">The following table sets out the fair values of financial instruments of the Bank and excludes <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-financial</div> assets, such as property and equipment, investments in associates, precious metals, goodwill and other intangible assets. </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div> <div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 45%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31, 2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">October 31, 2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total fair<br/>value</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total<br/>carrying<br/>value</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total fair<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total<br/>carrying<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total fair<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total<br/>carrying<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Assets:</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Cash and deposits with financial institutions</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> <div style="display:inline;"> </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">79,301</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$<div style="display:inline;"> </div><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">79,301</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">73,838</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">73,838</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">65,967</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">65,967</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;">157,689</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;">157,689</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 161,043</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 161,043</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 152,223</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 152,223</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Securities purchased under resale agreements and securities borrowed</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">253,177</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">253,177</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">215,379</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">215,379</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">203,008</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">203,008</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46,709</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46,709</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,788</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,788</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">46,531</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">46,531</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment securities – FVOCI and FVTPL</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">127,818</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">127,818</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">119,947</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">119,947</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">126,226</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">126,226</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment securities – amortized cost</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,510</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,988</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,069</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,452</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">23,239</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">23,722</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">754,267</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">757,434</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">754,887</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">755,475</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">769,900</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">771,045</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Customers’ liability under acceptances</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">155</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">155</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">173</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">173</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">177</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">177</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other financial assets</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">27,239</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">27,239</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">28,419</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">28,419</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">28,128</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">28,128</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Liabilities:</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Deposits</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">979,387</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">981,489</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">971,043</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">971,682</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">965,925</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">966,279</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Financial instruments designated at fair value through profit or loss</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,629</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,629</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,740</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,740</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Acceptances</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">157</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">157</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">174</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">174</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">178</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">178</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Obligations related to securities sold short</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38,064</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38,064</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">33,147</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">33,147</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">38,104</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">38,104</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56,854</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56,854</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">58,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">58,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">56,031</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">56,031</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Obligations related to securities sold under repurchase agreements and securities lent</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">238,663</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">238,663</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">204,760</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">204,760</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">189,144</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">189,144</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Subordinated debentures</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,801</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,766</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,882</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,807</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,749</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,692</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other financial liabilities</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">53,031</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,913</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">55,508</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">55,490</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">56,500</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">56,529</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> </div> <div style="clear: both; max-height: 0px;"></div> </div> <div style="font-family: arial; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">(c) Fair value hierarchy </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The best evidence of fair value for a financial instrument is the quoted price in an active market. Unadjusted quoted market prices for identical instruments represent a Level 1 valuation. Where possible, valuations are based on quoted prices or observable inputs obtained from active markets. </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;">Quoted prices are not always available for <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space: nowrap;display:inline;">over-the-counter</div></div> transactions, as well as transactions in inactive or illiquid markets. In these instances, internal models that maximize the use of observable inputs are used to estimate fair value. The chosen valuation technique incorporates all the factors that market participants would take into account in pricing a transaction. When all significant inputs to models are observable, the valuation is classified as Level 2. Financial instruments traded in a less active market are valued using indicative market prices or other valuation techniques. Fair value estimates do not consider forced or liquidation sales. </div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Where financial instruments trade in inactive markets, illiquid markets or when using models where observable parameters do not exist, greater management judgement is required for valuation purposes. Valuations that require the significant use of unobservable inputs are classified as Level 3. </div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="text-align: right; font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="text-indent: 3%; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table outlines the fair value hierarchy and instruments carried at fair value on a recurring basis. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:38%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="30" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31, 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Level 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Level 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Level 3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Level 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Level 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Level 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Instruments carried at fair value on a recurring basis:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Assets:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Precious metals<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,200</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,200</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,543</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,543</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,391</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">146</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,537</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,891</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">161</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,052</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal government and government guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,886</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,901</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,787</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14,997</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,603</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,600</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian provincial and municipal debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,498</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,308</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,806</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,071</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,497</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,568</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agencies’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,107</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,107</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,337</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,337</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign governments’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">713</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,219</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,932</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">982</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,128</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12,110</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate and other debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,352</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,216</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,568</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,922</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,224</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,146</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity securities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">82,338</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">150</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">82,505</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">88,921</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">128</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">89,060</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,447</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,447</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,170</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,170</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">121,894</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">35,632</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">163</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">157,689</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 125,230</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 35,641</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">172</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">161,043</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment securities<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal government and government guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,170</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,273</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,443</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12,483</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,726</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,209</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian provincial and municipal debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,815</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,178</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,993</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,925</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,315</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21,240</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agencies’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41,153</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,937</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47,090</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">39,174</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,131</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">45,305</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign governments’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,445</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,268</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">27,713</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,336</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21,596</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25,932</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate and other debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">192</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,053</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,254</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">194</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,679</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">31</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,904</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity securities</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">80</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">335</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,910</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,325</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">122</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">297</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,938</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,357</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">79,855</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46,044</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,919</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">127,818</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">68,234</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">49,744</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 1,969</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 119,947</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Interest rate contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,456</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,456</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,383</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,383</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and gold contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,996</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,997</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,543</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,544</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">596</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,181</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,806</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">513</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,263</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">93</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,869</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">169</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">178</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">320</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">326</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Commodity contracts</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,265</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,272</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,656</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">10</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,666</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">596</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46,067</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46,709</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">513</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">47,165</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">110</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">47,788</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Liabilities:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Deposits<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">448</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">448</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">335</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">335</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Financial liabilities designated at fair value through profit or loss</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,629</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,629</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,740</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,740</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Obligations related to securities sold short</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">33,715</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,349</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38,064</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="display:inline;">29,441</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="display:inline;">3,706</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="display:inline;">33,147</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-size: 1pt;">
<td style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Interest rate contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,414</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,415</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17,149</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17,152</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and gold contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,489</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,489</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,353</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,353</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">848</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,074</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,950</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">800</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,052</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">28</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,880</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">19</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">23</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Commodity contracts</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,970</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,979</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">5,747</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">10</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">5,757</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">848</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">55,966</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56,854</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">800</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">57,322</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">43</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">58,165</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Excludes debt investment securities measured at amortized cost of $<div style="font-size:7.5pt;font-family:"Arial Narrow",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:"Times New Roman";mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">21,988</div></div> (January 31, 2026 – $22,452). </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 71%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Level 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Level 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Level 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Instruments carried at fair value on a recurring basis:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Assets:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Precious metals<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,156</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,156</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,486</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,487</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal government and government guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13,838</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,963</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15,801</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian provincial and municipal debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,374</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,336</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,710</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agencies’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,132</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,132</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign governments’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,837</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,451</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10,288</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate and other debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,523</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,593</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10,116</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity securities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">83,412</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">373</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">83,797</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,892</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,892</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 120,116</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 32,094</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">13</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 152,223</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment securities<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal government and government guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15,143</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,967</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">23,110</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian provincial and municipal debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">16,293</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,550</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20,843</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agencies’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">42,300</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,736</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">49,036</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign governments’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,099</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20,627</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,726</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate and other debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">116</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,892</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">32</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,040</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity securities</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">96</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">329</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,046</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,471</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">81,047</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">43,101</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 2,078</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">126,226</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Interest rate contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,804</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,807</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and gold contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">26,411</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">26,412</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">816</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,452</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">161</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,429</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">269</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">273</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Commodity contracts</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,594</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">16</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,610</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">816</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">45,530</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">185</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">46,531</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Liabilities:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Deposits<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">335</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">335</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Financial liabilities designated at fair value through profit or loss</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Obligations related to securities sold short</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">34,864</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,240</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">38,104</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-size: 1pt;">
<td style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Interest rate contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17,181</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17,189</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and gold contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25,793</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25,793</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">783</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,288</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">43</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10,114</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">24</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">26</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Commodity contracts</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,897</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">12</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,909</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">783</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">55,183</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">65</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">56,031</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Excludes debt investment securities measured at amortized cost of $23,722. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="text-align: right; font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-family: arial; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Level 3 instrument fair value changes </div></div><div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Financial instruments categorized as Level 3 as at April 30, 2026, in the fair value hierarchy comprised of loans, corporate bonds, equity securities and derivatives. </div></div><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table summarizes the changes in Level 3 instruments carried at fair value for the three and six months ended April 30, 2026. </div></div></div> <div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">All positive balances represent assets and negative balances represent liabilities. Consequently, positive amounts indicate purchases of assets or settlements of liabilities and negative amounts indicate sales of assets or issuances of liabilities. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:41%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="34" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the three months ended April 30, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Fair value,<br/>beginning of<br/>the quarter</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/><br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">Gains/<br/>(losses)<br/>recorded<br/>in income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Gains/<br/>(losses)<br/>recorded<br/>in OCI</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Purchases/<br/>Issuances</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Sales/<br/>Settlements</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Transfers<br/>into<br/>Level 3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Transfers<br/>out of<br/>Level 3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/><br/></div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value,<br/>end of the<br/>quarter</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/> <br/> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/><br/><br/><br/><br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">Changes in<br/>unrealized<br/>gains/(losses)<br/>recorded in<br/>income for<br/>instruments<br/>still held<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> <br/> <br/> <br/> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Trading assets</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Loans</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">161</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">146</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity securities</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">11</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">172</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">163</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Investment securities</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Corporate and other debt</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity securities</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,938</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">73</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">27</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">78</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(206</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,910</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">73</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,969</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">73</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">26</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">79</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(228</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,919</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">73</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="break-inside: avoid; font-family: arial; font-size: 8pt;">
<td style="vertical-align: top; background-color: rgb(204, 238, 255);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Derivative financial instruments – assets</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td></tr>
<tr style="break-inside: avoid; font-family: arial; font-size: 8pt;">
<td style="vertical-align: top; background-color: rgba(255, 255, 255, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Foreign exchange and gold contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">) </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align: top; background-color: rgb(204, 238, 255);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">93</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(65</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">)<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td></tr>
<tr style="break-inside: avoid; font-family: arial; font-size: 8pt;">
<td style="vertical-align: top; background-color: rgba(255, 255, 255, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Credit contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">6</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">3</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align: top; background-color: rgb(204, 238, 255);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Commodity contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">10</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td></tr>
<tr style="font-size:1pt">
<td style="height: 9pt; background-color: rgba(255, 255, 255, 0);"></td>
<td colspan="4" style="border-left: 0.75pt solid rgb(0, 0, 0); height: 9pt; background-color: rgba(255, 255, 255, 0);"> </td>
<td colspan="4" style="border-left: 0.75pt solid rgb(0, 0, 0); height: 9pt; background-color: rgba(255, 255, 255, 0);"> </td>
<td colspan="4" style="height: 9pt; background-color: rgba(255, 255, 255, 0);"></td>
<td colspan="4" style="height: 9pt; background-color: rgba(255, 255, 255, 0);"></td>
<td colspan="4" style="height: 9pt; background-color: rgba(255, 255, 255, 0);"></td>
<td colspan="4" style="height: 9pt; background-color: rgba(255, 255, 255, 0);"></td>
<td colspan="4" style="height: 9pt; background-color: rgba(255, 255, 255, 0);"></td>
<td colspan="4" style="border-right: 0.75pt solid rgb(0, 0, 0); height: 9pt; background-color: rgba(255, 255, 255, 0);"> </td>
<td colspan="4" style="height: 9pt; background-color: rgba(255, 255, 255, 0);"></td></tr>
<tr style="break-inside: avoid; font-family: arial; font-size: 8pt;">
<td style="vertical-align: top; background-color: rgba(255, 255, 255, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Derivative financial instruments – liabilities</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align: top; background-color: rgb(204, 238, 255);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Interest rate contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">3</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td></tr>
<tr style="break-inside: avoid; font-family: arial; font-size: 8pt;">
<td style="vertical-align: top; background-color: rgba(255, 255, 255, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">(28</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">) </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">) </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(28</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align: top; background-color: rgb(204, 238, 255);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Credit contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td></tr>
<tr style="break-inside: avoid; font-family: arial; font-size: 8pt;">
<td style="vertical-align: top; padding-bottom: 0.375pt; background-color: rgba(255, 255, 255, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Commodity contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">(10</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">) </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; background-color: rgb(204, 238, 255);"> </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">67</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(3</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">2</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(61</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(3</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td></tr>
<tr style="break-inside: avoid; font-family: arial; font-size: 8pt;">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; background-color: rgba(255, 255, 255, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Total</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> 2,208</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> 53</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> 26</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> 82</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> (230</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">) </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> 10</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> (61</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">) </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,088</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> 53</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">These amounts represent the gains and losses from fair value changes of Level 3 instruments still held at the end of the period that are recorded in the Consolidated Statement of Income. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Certain unrealized gains and losses on derivative assets and liabilities are largely offset by <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space: nowrap;display:inline;">mark-to-market</div></div> changes on other instruments included in trading revenues in the Consolidated Statement of Income, since these instruments act as an economic hedge to certain derivative assets and liabilities. </div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table summarizes the changes in Level 3 instruments carried at fair value for the three months ended April 30, 2025. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><br/></div> <div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 47%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="30" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the three months ended April 30, 2025</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Fair value,<br/>beginning<br/>of the<br/>quarter</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Gains/<br/>(losses)<br/>recorded<br/>in income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Gains/<br/>(losses)<br/>recorded<br/>in OCI</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Purchases/<br/>Issuances</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Sales/<br/>Settlements</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Transfers<br/>into<br/>Level 3</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Transfers<br/>out of<br/>Level 3</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Fair value,<br/>end of the<br/>quarter</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 47%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets</div></div></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> (8</td>
<td style="vertical-align: bottom; white-space: nowrap;">)</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 47%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment securities</div></div></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 2,012</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 13</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 54</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 29</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(111</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> –</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(9</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 1,988</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 47%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">20</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">(15</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">8</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">(15</div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">)</div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">(6</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">)</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">(8</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">) </td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:41%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="34" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the six months ended April 30, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Fair value,<br/>beginning of<br/>the period</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/><br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">Gains/<br/>(losses)<br/>recorded<br/>in income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Gains/<br/>(losses)<br/>recorded<br/>in OCI</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Purchases/<br/>Issuances</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Sales/<br/>Settlements</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Transfers<br/>into<br/>Level 3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Transfers<br/>out of<br/>Level 3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/><br/></div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value,<br/>end of the<br/>period</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/> <br/> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/><br/><br/><br/><br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">Changes in<br/>unrealized<br/>gains/(losses)<br/>recorded in<br/>income for<br/>instruments<br/>still held<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> <br/> <br/> <br/> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Trading assets</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Loans</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">165</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">146</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity securities</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">11</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(6</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(18</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">169</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(7</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">163</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Investment securities</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Corporate and other debt</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">32</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity securities</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,046</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">95</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">29</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">146</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(406</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,910</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">95</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,078</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">95</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">147</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(428</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,919</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">95</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Derivative financial instruments – assets</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Interest rate contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="vertical-align: bottom; white-space: nowrap;">)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Foreign exchange and gold contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">161</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(70</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(90</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10</td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(4)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Credit contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Commodity contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(9</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(9</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td> </tr>
<tr style="font-size:1pt">
<td style="height:9pt"></td>
<td colspan="4" style="BORDER-LEFT:0.75pt solid #000000;height:9pt"> </td>
<td colspan="4" style="BORDER-LEFT:0.75pt solid #000000;height:9pt"> </td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="BORDER-RIGHT:0.75pt solid #000000;height:9pt"> </td>
<td colspan="4" style="height:9pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Derivative financial instruments – liabilities</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Interest rate contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(8</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="vertical-align: bottom; white-space: nowrap;">)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(43</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(12</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">18</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(28</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(4)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Credit contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Commodity contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(12</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">120</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(70</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(69</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">11</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,211</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 74</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 24</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 313</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> (501</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 43</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> (76</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,088</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 89</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">These amounts represent the gains and losses from fair value changes of Level 3 instruments still held at the end of the period that are recorded in the Consolidated Statement of Income. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Certain unrealized gains and losses on interest rate derivative contracts are largely offset by <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space: nowrap;display:inline;">mark-to-market</div></div> changes on embedded derivatives on certain deposit liabilities in the Consolidated Statement of Income. </div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(4)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Certain unrealized gains and losses on derivative assets and liabilities are largely offset by <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space: nowrap;display:inline;">mark-to-market</div></div> changes on other instruments included in trading revenues in the Consolidated Statement of Income, since these instruments act as an economic hedge to certain derivative assets and liabilities. </div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table summarizes the changes in Level 3 instruments carried at fair value for the six months ended April 30, 2025. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 47%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="30" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">For the six months ended April 30, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-left-width: 0.75pt; border-bottom-style: solid; border-left-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value,<br/> beginning<br/> of the<br/> period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Gains/<br/> (losses)<br/> recorded<br/> in income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gains/<br/> (losses)<br/> recorded<br/> in OCI</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Purchases/<br/> Issuances</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Sales/<br/> Settlements</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Transfers<br/> into<br/> Level 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Transfers<br/> out of<br/> Level 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value,<br/> end of the<br/> period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets</div></div> </td>
<td style="vertical-align: bottom; border-left-color: rgb(0, 0, 0); border-left-width: 0.75pt; border-left-style: solid;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(15</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> (19</td>
<td style="vertical-align: bottom; white-space: nowrap;">)</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment securities</div></div> </td>
<td style="vertical-align: bottom; border-left-color: rgb(0, 0, 0); border-left-width: 0.75pt; border-left-style: solid;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 1,901</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 64</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 59</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 100</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(119</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> –</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(17</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 1,988</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div> </td>
<td style="vertical-align: bottom; border-left-color: rgb(0, 0, 0); border-left-width: 0.75pt; border-left-style: solid;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(12</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(15)</td>
<td style="vertical-align: bottom; white-space: nowrap; padding: 0px;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(3</td>
<td style="vertical-align: bottom; white-space: nowrap;">)</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(8</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Obligations related to securities sold short</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-left-width: 0.75pt; border-bottom-style: solid; border-left-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Significant transfers </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Significant transfers can occur between the fair value hierarchy levels when additional or new information regarding valuation inputs and their refinement and observability become available. The Bank recognizes transfers between levels of the fair value hierarchy at the end of the reporting period during which the change has occurred. </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following significant transfers made between Level 1 and 2, were based on whether the fair value was determined using quoted market prices from an active market. </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">During the three months ended April 30, 2026: </div></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 8pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 2%; text-align: left; vertical-align: top;">•</td>
<td style="width: 1%; vertical-align: top;"> </td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets of $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">953</div></div> million, investment securities of $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">6,562</div></div> million and obligations related to securities sold short of $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">943</div></div> million were transferred out of Level 2 into Level 1. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 8pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 2%; text-align: left; vertical-align: top;">•</td>
<td style="width: 1%; vertical-align: top;"> </td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets of $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">1,637</div></div> million, investment securities of $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">550</div></div> million and obligations related to securities sold short of $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">213</div></div> million were transferred out of Level 1 into Level 2. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="text-align: right; font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">During the three months ended April 30, 2025: </div></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 8pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 2%; text-align: left; vertical-align: top;">•</td>
<td style="width: 1%; vertical-align: top;"> </td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets of $2,003 million, investment securities of $6,624 million and obligations related to securities sold short of $1,038 million were transferred out of Level 2 into Level 1. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 8pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 2%; text-align: left; vertical-align: top;">•</td>
<td style="width: 1%; vertical-align: top;"> </td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets of $913 million, investment securities of $463 million and obligations related to securities sold short of $832 million were transferred out of Level 1 into Level 2. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"><div style="display:inline;">During the three months ended April 30, 2026, equity contracts of $65 million were transferred out of Level 3 into Level 2. Transfers were a result of the change in the observability of the inputs used for valuing the derivatives. There were</div> no <div style="display:inline;">significant transfers into and out of Level 3 during the three months ended April 30, 2025. </div> </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">During the six months ended April 30, 2026: </div></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 8pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
<tr style="page-break-inside: avoid;">
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<td style="width: 2%; text-align: left; vertical-align: top;">•</td>
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<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets of $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">648</div></div> million, investment securities of $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">595</div></div> million and obligations related to securities sold short of $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">111</div></div> million were transferred out of Level 2 into Level 1. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
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<td style="width: 2%; text-align: left; vertical-align: top;">•</td>
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<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets of $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">1,651</div></div> million, investment securities of $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">2,823</div></div> million and obligations related to securities sold short of $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">183</div></div> million were transferred out of Level 1 into Level 2. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">During the six months ended April 30, 2025: </div></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
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<td style="width: 2%; text-align: left; vertical-align: top;">•</td>
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<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets of $842 million, investment securities of $1,330 million and obligations related to securities sold short of $165 million were transferred out of Level 2 into Level 1. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div> <div style="font-size: 6pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="font-size: 6pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial; font-size: 8pt; border-collapse: collapse; border-spacing: 0;text-indent: 0px;">
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<td style="width: 2%; text-align: left; vertical-align: top;">•</td>
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<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets of $706 million, investment securities of $1,547 million and obligations related to securities sold short of $305 million were transferred out of Level 1 into Level 2. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"><div style="null;text-indent: 0px;display:inline;">During the six months ended April 30, 2026, equity contracts of $90 million were transferred out of Level 3 into Level 2. Transfers were a result of the change in the observability of the inputs used for valuing the derivatives. There were</div> no <div style="display:inline;">significant transfers into and out of Level 3 during the six months ended April 30, 2025.</div></div></div> <div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"></div> <div style="font-family: arial; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Level 3 sensitivity </div></div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank applies judgement in determining unobservable inputs used to calculate the fair value of Level 3 instruments. </div></div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Refer to Note 6 of the Bank’s audited consolidated financial statements in the 2025 Annual Report for a description of the significant unobservable inputs for Level 3 instruments and the potential effect that a change in each unobservable input may have on the fair value measurement. There have been no significant changes to the Level 3 sensitivities during the quarter. </div></div></div> <div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;text-indent: 0px;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table presents the fair value of liabilities designated at fair value through profit or loss and their changes in fair value. </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div><div><div style="null;text-indent: 0px;">
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<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Fair value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: center; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Change in fair value<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></div><div style="text-align: center; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Gains/(Losses)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-align: center; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Cumulative change in fair value<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></div><div style="text-align: center; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 1pt; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Gains/(Losses)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
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<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the three months ended</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="10" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30<br/>2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31<br/>2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">April 30<br/>2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Liabilities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Senior note liabilities<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,629</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">47,740</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">39,127</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">507</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">(105</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">1,611</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-size: 8pt; font-family: Arial, sans-serif; letter-spacing: 0px; top: 0px;display:inline;">3,672</div></div></div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">3,165</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">6,237</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: "arial narrow"; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Change in the difference between the contractual maturity amount and the carrying value. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: "arial narrow"; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0px;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The cumulative change in fair value is measured from the instrument’s date of initial recognition. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Changes in fair value attributable to changes in the Bank’s own credit risk are recorded in other comprehensive income. Other changes in fair value are recorded in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> income – trading revenues. The offsetting fair value changes from associated derivatives is also recorded in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-interest</div> income – trading revenues. </div></td></tr></table>
48629000000
47740000000
39127000000
507000000
-105000000
1611000000
3672000000
3165000000
6237000000
<div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table presents the changes in fair value attributable to changes in the Bank’s own credit risk for financial liabilities designated at fair value through profit or loss as well as their contractual maturity and carrying amounts. </div></div><div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:37%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:3%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:4%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td>
<td style="vertical-align:bottom;width:3%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:4%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td colspan="18" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Senior note liabilities</td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Contractual<br/> maturity<br/> amount</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> <br/> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Carrying value</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> <br/> <br/> <br/> <br/> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Difference<br/> between<br/> contractual<br/> maturity<br/> amount and<br/> carrying<br/> value</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> <br/> <br/> <br/> <br/> <br/> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> <br/> <br/> <br/> <br/> <br/> <br/> <br/> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Changes in fair value<br/> for the three<br/> months period<br/> attributable to<br/> changes in own<br/> credit risk<br/> recorded in other<br/> comprehensive<br/> income<br/> Gains/(Losses)</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> <br/> <br/> <br/> <br/> <br/> <br/> <br/> <br/> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> <br/> <br/> <br/> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);">Cumulative changes<br/> in fair value<br/> attributable to<br/> changes in own<br/> credit risk<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div><br/> Gains/(Losses)</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"> <br/> <br/> <br/> <br/> <br/> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">As at April 30, 2026</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,301</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,629</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,672</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">413</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1,439</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">)</div></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">As at January 31, 2026</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">50,905</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,740</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(246</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(1,852</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">As at April 30, 2025</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> 45,364</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> 39,127</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> 6,237</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> 512</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> (665</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">) </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The cumulative change in fair value is measured from the instruments’ date of initial recognition. </div></div></td></tr></table>
52301000000
48629000000
3672000000
413000000
-1439000000
50905000000
47740000000
3165000000
-246000000
-1852000000
45364000000
39127000000
6237000000
512000000
-665000000
<div style="font-family: arial; font-size: 8pt; margin-top: 12pt; margin-bottom: 0pt; margin-left: 4%;">The following table sets out the fair values of financial instruments of the Bank and excludes <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-financial</div> assets, such as property and equipment, investments in associates, precious metals, goodwill and other intangible assets. </div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><br/></div> <div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 45%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="22" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">As at</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">January 31, 2026</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="6" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">October 31, 2025</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total fair<br/>value</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total<br/>carrying<br/>value</div></div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total fair<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total<br/>carrying<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total fair<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;">Total<br/>carrying<br/>value</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Assets:</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Cash and deposits with financial institutions</div> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$<div style="letter-spacing: 0px; top: 0px;display:inline;"> <div style="display:inline;"> </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">79,301</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$<div style="display:inline;"> </div><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">79,301</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">73,838</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">73,838</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">65,967</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">65,967</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;">157,689</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"><div style="font-weight:bolder;display:inline;width:100%;"> </div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="font-weight:bolder;display:inline;width:100%;">157,689</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 161,043</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 161,043</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 152,223</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 152,223</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Securities purchased under resale agreements and securities borrowed</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">253,177</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">253,177</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">215,379</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">215,379</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">203,008</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">203,008</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46,709</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46,709</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,788</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,788</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">46,531</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">46,531</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment securities – FVOCI and FVTPL</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">127,818</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">127,818</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">119,947</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">119,947</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">126,226</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">126,226</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment securities – amortized cost</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,510</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,988</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,069</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,452</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">23,239</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">23,722</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">754,267</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">757,434</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">754,887</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">755,475</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">769,900</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">771,045</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Customers’ liability under acceptances</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">155</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">155</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">173</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">173</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">177</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">177</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other financial assets</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">27,239</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">27,239</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">28,419</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">28,419</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">28,128</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">28,128</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Liabilities:</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Deposits</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">979,387</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">981,489</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">971,043</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">971,682</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">965,925</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">966,279</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Financial instruments designated at fair value through profit or loss</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,629</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,629</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,740</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,740</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Acceptances</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">157</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">157</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">174</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">174</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">178</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">178</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Obligations related to securities sold short</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38,064</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38,064</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">33,147</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">33,147</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">38,104</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">38,104</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56,854</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56,854</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">58,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">58,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">56,031</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">56,031</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Obligations related to securities sold under repurchase agreements and securities lent</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">238,663</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">238,663</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">204,760</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">204,760</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">189,144</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">189,144</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Subordinated debentures</div></div> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,801</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,766</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,882</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,807</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,749</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,692</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other financial liabilities</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">53,031</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">52,913</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">55,508</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">55,490</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">56,500</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">56,529</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> </div>
79301000000
79301000000
73838000000
73838000000
65967000000
65967000000
157689000000
157689000000
161043000000
161043000000
152223000000
152223000000
253177000000
253177000000
215379000000
215379000000
203008000000
203008000000
46709000000
46709000000
47788000000
47788000000
46531000000
46531000000
127818000000
127818000000
119947000000
119947000000
126226000000
126226000000
21510000000
21988000000
22069000000
22452000000
23239000000
23722000000
754267000000
757434000000
754887000000
755475000000
769900000000
771045000000
155000000
155000000
173000000
173000000
177000000
177000000
27239000000
27239000000
28419000000
28419000000
28128000000
28128000000
979387000000
981489000000
971043000000
971682000000
965925000000
966279000000
48629000000
48629000000
47740000000
47740000000
47165000000
47165000000
157000000
157000000
174000000
174000000
178000000
178000000
38064000000
38064000000
33147000000
33147000000
38104000000
38104000000
56854000000
56854000000
58165000000
58165000000
56031000000
56031000000
238663000000
238663000000
204760000000
204760000000
189144000000
189144000000
5801000000
5766000000
5882000000
5807000000
7749000000
7692000000
53031000000
52913000000
55508000000
55490000000
56500000000
56529000000
<div style="text-indent: 3%; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table outlines the fair value hierarchy and instruments carried at fair value on a recurring basis. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0px;">
<tr>
<td style="width:38%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="30" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">April 30, 2026</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">January 31, 2026</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Level 1</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Level 2</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Level 3</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Level 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Level 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Level 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Instruments carried at fair value on a recurring basis:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Assets:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Precious metals<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,200</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,200</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,543</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,543</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,391</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">146</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,537</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,891</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">161</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,052</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal government and government guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">15,886</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,901</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">20,787</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">14,997</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,603</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">18,600</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian provincial and municipal debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,498</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,308</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">12,806</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,071</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,497</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,568</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agencies’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,107</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,107</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,337</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,337</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign governments’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">713</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,219</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,932</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">982</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,128</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12,110</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate and other debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,352</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,216</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">11,568</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,922</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,224</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,146</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity securities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">82,338</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">150</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">82,505</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">88,921</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">128</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">89,060</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,447</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,447</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,170</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,170</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">121,894</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">35,632</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">163</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">157,689</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 125,230</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 35,641</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">172</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">161,043</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment securities<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal government and government guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">14,170</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,273</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,443</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12,483</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,726</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">22,209</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian provincial and municipal debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,815</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,178</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">23,993</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,925</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,315</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21,240</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agencies’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">41,153</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5,937</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">47,090</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">39,174</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,131</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">45,305</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign governments’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,445</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,268</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">27,713</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,336</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21,596</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25,932</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate and other debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">192</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,053</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3,254</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">194</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,679</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">31</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,904</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity securities</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">80</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">335</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,910</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2,325</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">122</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">297</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">1,938</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,357</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">79,855</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46,044</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,919</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">127,818</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">68,234</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">49,744</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 1,969</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 119,947</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Interest rate contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,456</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9,456</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,383</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,383</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and gold contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,996</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,997</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,543</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,544</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">596</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,181</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,806</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">513</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,263</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">93</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,869</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">169</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">178</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">320</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">326</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Commodity contracts</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,265</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8,272</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,656</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">10</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">3,666</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">596</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46,067</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">46,709</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">513</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">47,165</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">110</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">47,788</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Liabilities:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Deposits<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">448</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">448</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">335</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">335</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Financial liabilities designated at fair value through profit or loss</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,629</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">48,629</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,740</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,740</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Obligations related to securities sold short</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">33,715</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4,349</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">38,064</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="display:inline;">29,441</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="display:inline;">3,706</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="display:inline;">33,147</div></td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-size: 1pt;">
<td style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Interest rate contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,414</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17,415</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17,149</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17,152</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and gold contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,489</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21,489</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,353</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,353</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">848</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,074</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">28</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10,950</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">800</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,052</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">28</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,880</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">19</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">21</div></div></td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">21</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">23</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Commodity contracts</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,970</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6,979</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">5,747</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">10</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">5,757</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">848</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">55,966</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">40</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">56,854</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">800</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">57,322</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">43</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">58,165</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Excludes debt investment securities measured at amortized cost of $<div style="font-size:7.5pt;font-family:"Arial Narrow",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:"Times New Roman";mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">21,988</div></div> (January 31, 2026 – $22,452). </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 71%;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="14" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">As at October 31, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Level 1</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Level 2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Level 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Total</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Instruments carried at fair value on a recurring basis:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Assets:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Precious metals<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,156</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">5,156</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Loans</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,486</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,487</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal government and government guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13,838</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,963</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15,801</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian provincial and municipal debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,374</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,336</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">11,710</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agencies’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,132</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,132</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign governments’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1,837</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8,451</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10,288</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate and other debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,523</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,593</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10,116</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity securities</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">83,412</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">373</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">12</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">83,797</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,892</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,892</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 120,116</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 32,094</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">13</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 152,223</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment securities<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(2)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian federal government and government guaranteed debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">15,143</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,967</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">23,110</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Canadian provincial and municipal debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">16,293</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4,550</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20,843</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. treasury and other U.S. agencies’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">42,300</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,736</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">49,036</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Other foreign governments’ debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,099</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">20,627</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">27,726</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate and other debt</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">116</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2,892</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">32</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,040</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity securities</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">96</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">329</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,046</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,471</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">81,047</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">43,101</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> 2,078</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">126,226</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Interest rate contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,804</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,807</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and gold contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">26,411</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">26,412</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">816</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6,452</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">161</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">7,429</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">269</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">273</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Commodity contracts</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,594</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">16</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,610</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">816</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">45,530</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">185</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">46,531</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Liabilities:</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Deposits<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div></div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">335</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">335</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Financial liabilities designated at fair value through profit or loss</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">47,165</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Obligations related to securities sold short</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">34,864</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3,240</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">38,104</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-size: 1pt;">
<td style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td>
<td colspan="4" style="height: 3.75pt; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; font-weight: bold; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td>
<td style="vertical-align: bottom; font-family: arial;"></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Interest rate contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17,181</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">17,189</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Foreign exchange and gold contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25,793</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25,793</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Equity contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">783</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9,288</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">43</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10,114</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Credit contracts</div></div></td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">24</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">2</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">26</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Commodity contracts</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,897</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">12</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">2,909</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">783</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">55,183</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">65</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">56,031</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td></tr></table><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Excludes debt investment securities measured at amortized cost of $23,722. </div></div></td></tr></table><div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost. </div></div></td></tr></table>
10200000000
10200000000
11543000000
11543000000
6391000000
146000000
6537000000
7891000000
161000000
8052000000
15886000000
4901000000
20787000000
14997000000
3603000000
18600000000
9498000000
3308000000
12806000000
7071000000
4497000000
11568000000
10107000000
10107000000
9337000000
9337000000
713000000
11219000000
11932000000
982000000
11128000000
12110000000
3352000000
8216000000
11568000000
3922000000
7224000000
11146000000
82338000000
150000000
17000000
82505000000
88921000000
128000000
11000000
89060000000
1447000000
1447000000
1170000000
1170000000
121894000000
35632000000
163000000
157689000000
125230000000
35641000000
172000000
161043000000
14170000000
9273000000
23443000000
12483000000
9726000000
22209000000
17815000000
6178000000
23993000000
11925000000
9315000000
21240000000
41153000000
5937000000
47090000000
39174000000
6131000000
45305000000
6445000000
21268000000
27713000000
4336000000
21596000000
25932000000
192000000
3053000000
9000000
3254000000
194000000
2679000000
31000000
2904000000
80000000
335000000
1910000000
2325000000
122000000
297000000
1938000000
2357000000
79855000000
46044000000
1919000000
127818000000
68234000000
49744000000
1969000000
119947000000
9456000000
9456000000
9383000000
9383000000
21996000000
1000000
21997000000
27543000000
1000000
27544000000
596000000
6181000000
29000000
6806000000
513000000
6263000000
93000000
6869000000
169000000
9000000
178000000
320000000
6000000
326000000
8265000000
7000000
8272000000
3656000000
10000000
3666000000
596000000
46067000000
46000000
46709000000
513000000
47165000000
110000000
47788000000
448000000
448000000
335000000
335000000
48629000000
48629000000
47740000000
47740000000
33715000000
4349000000
38064000000
29441000000
3706000000
33147000000
17414000000
1000000
17415000000
17149000000
3000000
17152000000
21489000000
21489000000
27353000000
27353000000
848000000
10074000000
28000000
10950000000
800000000
7052000000
28000000
7880000000
19000000
2000000
21000000
21000000
2000000
23000000
6970000000
9000000
6979000000
5747000000
10000000
5757000000
848000000
55966000000
40000000
56854000000
800000000
57322000000
43000000
58165000000
21988000000
22452000000
5156000000
5156000000
8486000000
1000000
8487000000
13838000000
1963000000
15801000000
8374000000
3336000000
11710000000
9132000000
9132000000
1837000000
8451000000
10288000000
3523000000
6593000000
10116000000
83412000000
373000000
12000000
83797000000
2892000000
2892000000
120116000000
32094000000
13000000
152223000000
15143000000
7967000000
23110000000
16293000000
4550000000
20843000000
42300000000
6736000000
49036000000
7099000000
20627000000
27726000000
116000000
2892000000
32000000
3040000000
96000000
329000000
2046000000
2471000000
81047000000
43101000000
2078000000
126226000000
9804000000
3000000
9807000000
26411000000
1000000
26412000000
816000000
6452000000
161000000
7429000000
269000000
4000000
273000000
2594000000
16000000
2610000000
816000000
45530000000
185000000
46531000000
335000000
335000000
47165000000
47165000000
34864000000
3240000000
38104000000
17181000000
8000000
17189000000
25793000000
25793000000
783000000
9288000000
43000000
10114000000
24000000
2000000
26000000
2897000000
12000000
2909000000
783000000
55183000000
65000000
56031000000
23722000000
<div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table summarizes the changes in Level 3 instruments carried at fair value for the three and six months ended April 30, 2026. </div></div></div> <div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">All positive balances represent assets and negative balances represent liabilities. Consequently, positive amounts indicate purchases of assets or settlements of liabilities and negative amounts indicate sales of assets or issuances of liabilities. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:41%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="34" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the three months ended April 30, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Fair value,<br/>beginning of<br/>the quarter</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/><br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">Gains/<br/>(losses)<br/>recorded<br/>in income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Gains/<br/>(losses)<br/>recorded<br/>in OCI</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Purchases/<br/>Issuances</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Sales/<br/>Settlements</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Transfers<br/>into<br/>Level 3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Transfers<br/>out of<br/>Level 3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/><br/></div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value,<br/>end of the<br/>quarter</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/> <br/> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/><br/><br/><br/><br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">Changes in<br/>unrealized<br/>gains/(losses)<br/>recorded in<br/>income for<br/>instruments<br/>still held<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> <br/> <br/> <br/> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Trading assets</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Loans</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">161</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">146</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity securities</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">11</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">172</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">163</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Investment securities</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Corporate and other debt</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt;"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity securities</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1,938</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">73</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">27</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">78</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(206</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,910</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">73</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1,969</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">73</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">26</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">79</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(228</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,919</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">73</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td></tr>
<tr style="break-inside: avoid; font-family: arial; font-size: 8pt;">
<td style="vertical-align: top; background-color: rgb(204, 238, 255);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Derivative financial instruments – assets</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"></td></tr>
<tr style="break-inside: avoid; font-family: arial; font-size: 8pt;">
<td style="vertical-align: top; background-color: rgba(255, 255, 255, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Foreign exchange and gold contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">) </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">) </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align: top; background-color: rgb(204, 238, 255);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">93</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(65</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">)<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td></tr>
<tr style="break-inside: avoid; font-family: arial; font-size: 8pt;">
<td style="vertical-align: top; background-color: rgba(255, 255, 255, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Credit contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">6</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">3</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align: top; background-color: rgb(204, 238, 255);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Commodity contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">10</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td></tr>
<tr style="font-size:1pt">
<td style="height: 9pt; background-color: rgba(255, 255, 255, 0);"></td>
<td colspan="4" style="border-left: 0.75pt solid rgb(0, 0, 0); height: 9pt; background-color: rgba(255, 255, 255, 0);"> </td>
<td colspan="4" style="border-left: 0.75pt solid rgb(0, 0, 0); height: 9pt; background-color: rgba(255, 255, 255, 0);"> </td>
<td colspan="4" style="height: 9pt; background-color: rgba(255, 255, 255, 0);"></td>
<td colspan="4" style="height: 9pt; background-color: rgba(255, 255, 255, 0);"></td>
<td colspan="4" style="height: 9pt; background-color: rgba(255, 255, 255, 0);"></td>
<td colspan="4" style="height: 9pt; background-color: rgba(255, 255, 255, 0);"></td>
<td colspan="4" style="height: 9pt; background-color: rgba(255, 255, 255, 0);"></td>
<td colspan="4" style="border-right: 0.75pt solid rgb(0, 0, 0); height: 9pt; background-color: rgba(255, 255, 255, 0);"> </td>
<td colspan="4" style="height: 9pt; background-color: rgba(255, 255, 255, 0);"></td></tr>
<tr style="break-inside: avoid; font-family: arial; font-size: 8pt;">
<td style="vertical-align: top; background-color: rgba(255, 255, 255, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Derivative financial instruments – liabilities</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"></td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align: top; background-color: rgb(204, 238, 255);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Interest rate contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">3</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td></tr>
<tr style="break-inside: avoid; font-family: arial; font-size: 8pt;">
<td style="vertical-align: top; background-color: rgba(255, 255, 255, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">(28</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">) </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">(3</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">) </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">1</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(28</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">2</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(3)</div> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align: top; background-color: rgb(204, 238, 255);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Credit contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(2</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td></tr>
<tr style="break-inside: avoid; font-family: arial; font-size: 8pt;">
<td style="vertical-align: top; padding-bottom: 0.375pt; background-color: rgba(255, 255, 255, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Commodity contracts</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">(10</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">) </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td></tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: top; background-color: rgb(204, 238, 255);"> </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">67</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(3</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">2</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">1</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">–</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(61</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);"> </td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgb(204, 238, 255);">(3</td>
<td style="border-bottom: 0.75pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgb(204, 238, 255);">) </td></tr>
<tr style="break-inside: avoid; font-family: arial; font-size: 8pt;">
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: top; background-color: rgba(255, 255, 255, 0);"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Total</div></td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> 2,208</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-left: 0.75pt solid rgb(0, 0, 0); border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> 53</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> 26</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> 82</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> (230</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">) </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> 10</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> (61</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">) </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,088</div></div></td>
<td style="border-right: 0.75pt solid rgb(0, 0, 0); border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);">$</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; text-align: right; background-color: rgba(255, 255, 255, 0);"> 53</td>
<td style="border-bottom: 1pt solid rgb(0, 0, 0); white-space: nowrap; vertical-align: bottom; background-color: rgba(255, 255, 255, 0);"> </td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">These amounts represent the gains and losses from fair value changes of Level 3 instruments still held at the end of the period that are recorded in the Consolidated Statement of Income. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Certain unrealized gains and losses on derivative assets and liabilities are largely offset by <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space: nowrap;display:inline;">mark-to-market</div></div> changes on other instruments included in trading revenues in the Consolidated Statement of Income, since these instruments act as an economic hedge to certain derivative assets and liabilities. </div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table summarizes the changes in Level 3 instruments carried at fair value for the three months ended April 30, 2025. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><br/></div> <div><div style="null;text-indent: 0px;">
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 47%;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 1%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td>
<td style="width: 2%; vertical-align: bottom;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="30" style="text-align: center; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">For the three months ended April 30, 2025</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Fair value,<br/>beginning<br/>of the<br/>quarter</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Gains/<br/>(losses)<br/>recorded<br/>in income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Gains/<br/>(losses)<br/>recorded<br/>in OCI</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Purchases/<br/>Issuances</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Sales/<br/>Settlements</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Transfers<br/>into<br/>Level 3</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Transfers<br/>out of<br/>Level 3</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">Fair value,<br/>end of the<br/>quarter</div></td>
<td style="vertical-align: bottom; border-bottom: 0.75pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; width: 47%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets</div></div></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">3</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">6</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> (8</td>
<td style="vertical-align: bottom; white-space: nowrap;">)</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; width: 47%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment securities</div></div></td>
<td style="vertical-align: bottom; border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 2,012</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 13</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 54</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 29</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(111</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> –</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(9</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 1,988</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td></tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top; border-bottom: 1pt solid rgb(0, 0, 0); width: 47%;"><div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0); border-left: 0.75pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">20</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">(15</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">) </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">–</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">8</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">(15</div></td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"><div style="letter-spacing: 0px; top: 0px;display:inline;">)</div></td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">(6</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">)</td>
<td style="vertical-align: bottom; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">(8</td>
<td style="vertical-align: bottom; white-space: nowrap; border-bottom: 1pt solid rgb(0, 0, 0);">) </td></tr></table><div style="clear:both;max-height:0pt;"></div></div><div style="clear:both;max-height:0pt;text-indent: 0px;"></div><div style="clear: both; max-height: 0px;"></div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"><div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div></div></td></tr></table> <div style="clear: both; max-height: 0px;"></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="clear: both; max-height: 0px;"></div><div style="font-family: arial; font-size: 9pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:96%;border-spacing:0;margin-left:auto">
<tr>
<td style="width:41%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td></td>
<td></td>
<td style="vertical-align:bottom;width:1%"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td colspan="34" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">For the six months ended April 30, 2026</div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Fair value,<br/>beginning of<br/>the period</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/><br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">Gains/<br/>(losses)<br/>recorded<br/>in income<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Gains/<br/>(losses)<br/>recorded<br/>in OCI</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Purchases/<br/>Issuances</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Sales/<br/>Settlements</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Transfers<br/>into<br/>Level 3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">Transfers<br/>out of<br/>Level 3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/><br/></div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fair value,<br/>end of the<br/>period</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> <br/> <br/> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/><br/><br/><br/><br/><br/></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">Changes in<br/>unrealized<br/>gains/(losses)<br/>recorded in<br/>income for<br/>instruments<br/>still held<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> <br/> <br/> <br/> <br/> <br/> <br/> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Trading assets</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Loans</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">165</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">146</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom">$</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity securities</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">11</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(6</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">17</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">13</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(18</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">169</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">12</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(7</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">163</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(17</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Investment securities</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Corporate and other debt</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">32</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(22</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity securities</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2,046</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">95</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">29</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">146</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(406</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,910</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">95</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2,078</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">95</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">27</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">147</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(428</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1,919</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">95</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Derivative financial instruments – assets</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Interest rate contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="vertical-align: bottom; white-space: nowrap;">)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Foreign exchange and gold contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">161</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(10</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">7</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(70</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(90</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">29</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">10</td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(4)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Credit contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">3</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Commodity contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">16</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(9</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(9</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td> </tr>
<tr style="font-size:1pt">
<td style="height:9pt"></td>
<td colspan="4" style="BORDER-LEFT:0.75pt solid #000000;height:9pt"> </td>
<td colspan="4" style="BORDER-LEFT:0.75pt solid #000000;height:9pt"> </td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="height:9pt"></td>
<td colspan="4" style="BORDER-RIGHT:0.75pt solid #000000;height:9pt"> </td>
<td colspan="4" style="height:9pt"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; font-weight: bold; line-height: normal;">Derivative financial instruments – liabilities</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom"></td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Interest rate contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(8</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(1</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">4</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="vertical-align: bottom; white-space: nowrap;">)<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(3)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Equity contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(43</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(12</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">18</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(28</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">9</td>
<td style="vertical-align: bottom; white-space: nowrap;"><div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(4)</div> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Credit contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">(2</td>
<td style="white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(2</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style="vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom"> </td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="vertical-align: top; padding-bottom: 0.375pt;"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Commodity contracts</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(12</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">1</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(9</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">) </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">2</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">120</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">–</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(3</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(70</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">31</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">(69</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right">11</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr>
<tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff">
<td style="BORDER-BOTTOM:1.00pt solid #000000;vertical-align:top"> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">Total</div> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 2,211</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 74</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 24</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 313</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> (501</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 43</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> (76</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">) </td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$</div></div></td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> 2,088</div></div></td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td>
<td style=" BORDER-BOTTOM:1.00pt solid #000000;vertical-align:bottom"> </td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom">$</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"> 89</td>
<td style="BORDER-BOTTOM:1.00pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(2)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">These amounts represent the gains and losses from fair value changes of Level 3 instruments still held at the end of the period that are recorded in the Consolidated Statement of Income. </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(3)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Certain unrealized gains and losses on interest rate derivative contracts are largely offset by <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space: nowrap;display:inline;">mark-to-market</div></div> changes on embedded derivatives on certain deposit liabilities in the Consolidated Statement of Income. </div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(4)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;">Certain unrealized gains and losses on derivative assets and liabilities are largely offset by <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space: nowrap;display:inline;">mark-to-market</div></div> changes on other instruments included in trading revenues in the Consolidated Statement of Income, since these instruments act as an economic hedge to certain derivative assets and liabilities. </div> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The following table summarizes the changes in Level 3 instruments carried at fair value for the six months ended April 30, 2025. </div></div> <div style="font-size: 12pt; margin-top: 0pt; margin-bottom: 0pt;"><div style="font-size: 12pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 96%; font-family: arial; font-size: 8pt; margin-left: auto; border-collapse: collapse; border-spacing: 0;">
<tr>
<td style="width: 47%;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
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<td style="width: 2%; vertical-align: bottom;"></td>
<td style="width: 2%; vertical-align: bottom;"></td>
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<td style="width: 1%; vertical-align: bottom;"></td>
<td></td>
<td></td>
<td style="width: 2%; vertical-align: bottom;"></td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="30" style="text-align: center; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">For the six months ended April 30, 2025</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($ millions)</div></div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-left-width: 0.75pt; border-bottom-style: solid; border-left-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value,<br/> beginning<br/> of the<br/> period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid; white-space: nowrap;">Gains/<br/> (losses)<br/> recorded<br/> in income<div style="font-size: 75%; vertical-align: top;display:inline;font-size:6.6px">(1)</div></td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Gains/<br/> (losses)<br/> recorded<br/> in OCI</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Purchases/<br/> Issuances</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Sales/<br/> Settlements</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Transfers<br/> into<br/> Level 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Transfers<br/> out of<br/> Level 3</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td>
<td colspan="2" style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;">Fair value,<br/> end of the<br/> period</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 0.75pt; border-bottom-style: solid;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Trading assets</div></div> </td>
<td style="vertical-align: bottom; border-left-color: rgb(0, 0, 0); border-left-width: 0.75pt; border-left-style: solid;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">25</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">1</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(15</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">13</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> (19</td>
<td style="vertical-align: bottom; white-space: nowrap;">)</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;">$</td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">9</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Investment securities</div></div> </td>
<td style="vertical-align: bottom; border-left-color: rgb(0, 0, 0); border-left-width: 0.75pt; border-left-style: solid;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 1,901</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 64</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 59</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 100</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(119</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> –</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(17</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;"> 1,988</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid; background-color: rgb(204, 238, 255);">
<td style="vertical-align: top;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Derivative financial instruments</div></div> </td>
<td style="vertical-align: bottom; border-left-color: rgb(0, 0, 0); border-left-width: 0.75pt; border-left-style: solid;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">10</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(12</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">4</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">8</td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(15)</td>
<td style="vertical-align: bottom; white-space: nowrap; padding: 0px;"> </td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(3</td>
<td style="vertical-align: bottom; white-space: nowrap;">)</td>
<td style="vertical-align: bottom;"> </td>
<td style="vertical-align: bottom; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; white-space: nowrap;">(8</td>
<td style="vertical-align: bottom; white-space: nowrap;">) </td> </tr>
<tr style="font-family: arial; font-size: 8pt; page-break-inside: avoid;">
<td style="vertical-align: top; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> <div style="text-indent: -1em; font-family: arial; font-size: 8pt; margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; line-height: normal;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Obligations related to securities sold short</div></div> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-left-width: 0.75pt; border-bottom-style: solid; border-left-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">(2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">) </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">2</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid;"> </td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td>
<td style="text-align: right; vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;">–</td>
<td style="vertical-align: bottom; border-bottom-color: rgb(0, 0, 0); border-bottom-width: 1pt; border-bottom-style: solid; white-space: nowrap;"> </td> </tr> </table> <div style="clear: both; max-height: 0px;"></div> </div>
<table cellpadding="0" cellspacing="0" style="text-align:start; width: 100%; font-family: arial narrow; font-size: 7.5pt; border-collapse: collapse; border-spacing: 0;">
<tr style="page-break-inside: avoid;">
<td style="width: 4%;"> </td>
<td style="width: 3%; text-align: left; vertical-align: top;">(1)</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: "arial narrow"; font-size: 7.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: "arial narrow"; font-size: 7.5pt; letter-spacing: 0px; top: 0px;display:inline;">Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. </div></div> </td> </tr> </table>
161000000
-17000000
1000000
1000000
146000000
-17000000
11000000
-3000000
9000000
17000000
172000000
-17000000
1000000
-3000000
10000000
163000000
-17000000
31000000
-1000000
1000000
-22000000
9000000
1938000000
73000000
27000000
78000000
-206000000
1910000000
73000000
1969000000
73000000
26000000
79000000
-228000000
1919000000
73000000
1000000
-1000000
1000000
1000000
-1000000
93000000
-1000000
2000000
-65000000
29000000
-1000000
6000000
3000000
9000000
10000000
-3000000
7000000
-3000000
-3000000
-1000000
3000000
-1000000
-28000000
2000000
-3000000
1000000
-28000000
2000000
-2000000
-2000000
-10000000
1000000
-9000000
67000000
-3000000
2000000
1000000
-61000000
6000000
-3000000
2208000000
53000000
26000000
82000000
-230000000
10000000
-61000000
2088000000
53000000
10000000
3000000
-2000000
6000000
-8000000
9000000
2012000000
13000000
54000000
29000000
-111000000
-9000000
1988000000
20000000
-15000000
8000000
-15000000
-6000000
-8000000
1000000
-17000000
-3000000
165000000
1000000
-1000000
146000000
-17000000
12000000
-1000000
4000000
-3000000
11000000
-6000000
17000000
13000000
-18000000
-3000000
169000000
-3000000
12000000
-7000000
163000000
-17000000
32000000
-2000000
1000000
-22000000
9000000
2046000000
95000000
29000000
146000000
-406000000
1910000000
95000000
2078000000
95000000
27000000
147000000
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<td id="tx108070_20" style="width: 4%; text-align: left; vertical-align: top;">18.</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate income taxes </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div> <div style="font-family: arial; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Tax assessments </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Bank received reassessments totaling $<div style="font-size:8.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";mso-fareast-theme-font:minor-fareast;mso-ansi-language:EN-IN;mso-fareast-language:EN-IN;mso-bidi-language:TA;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;">1,808</div></div> million (January 31, 2026 – $1,808 </div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;">million) of tax and interest as a result of the Canada Revenue Agency (CRA) denying the tax deductibility of certain Canadian dividends received during the 2011-2020 taxation years. The dividends subject to these reassessments are similar to those prospectively addressed by tax rules introduced in 2015 and 2018. The Bank has filed Notices of Appeal with the Tax Court of Canada against the federal reassessment in respect of its 2011 and 2012 taxation years. In addition, a subsidiary of the Bank received reassessments on the same matter in respect of its 2018-2020 taxation years totaling</div></div><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> $4 million of tax and interest. </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;">A subsidiary of the Bank received withholding tax assessments from the CRA in respect of certain of its securities lending transactions for its <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">2014-2019</div> taxation years totaling $<div style="font-size: 8pt; font-family: Arial, sans-serif; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;">637</div></div> million (January 31, 2026 – $637 <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;">million) of tax, penalties and interest. The subsidiary has filed a Notice of Appeal with the Tax Court of Canada against the federal assessment in respect of its 2014-2019 taxation years.</div></div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">In respect of both matters, the Bank is confident that its tax filing position was appropriate and in accordance with the relevant provisions of the Income Tax Act (Canada) and intends to vigorously defend its position. </div></div>
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<td id="tx108070_21" style="width: 4%; text-align: left; vertical-align: top;">19.</td>
<td style="text-align: left; vertical-align: top;"> <div style="text-align: left; font-family: arial; font-size: 11.5pt; margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"><div style="font-family: arial; font-size: 11.5pt; letter-spacing: 0px; top: 0px;display:inline;">Divestitures </div></div> </td> </tr> </table> <div style="clear: both; max-height: 0px; text-indent: 0px;"></div> <div style="font-family: arial; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Closed divestitures impacting the current fiscal year</div></div> </div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Sale of banking operations in Colombia, Costa Rica and Panama </div></div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;">On December 1, 2025, the Bank completed the sale of its banking operations in Colombia, Costa Rica and Panama to Davivienda Group S.A. in exchange for a 20.3% ownership stake in the combined Davivienda Group S.A. The Bank’s ownership consists of 14.99% voting common shares and the remainder in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-voting</div> preferred shares. Following this date, the Bank designated two individuals to serve on Davivienda Group S.A.’s Board of Directors. </div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;">Upon closing, the Bank derecognized total assets of $24 billion and total liabilities of $22 billion consisting primarily of loans and deposits. The Bank recognized an additional loss of $11 million in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;">non-interest</div> expense and $423 million in <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;">non-interest</div> income (collectively $377 million after<div style="letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;"><div style="display:inline;">-</div></div>tax). The loss primarily represents the release of cumulative foreign currency translation losses, inclusive of <div style="text-indent: 0px; letter-spacing: 0px; top: 0px;display:inline;">hedges,</div> and was recorded in the Other segment. As of October 31, 2025, the Bank recognized an impairment loss of $1,342 million <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;text-indent: 0px;display:inline;">after-tax.</div> Following the closing, the Bank recognized the investment in Davivienda Group S.A. as an investment in associate at a fair value of $1,370 million as the Bank has significant influence, given its board representation and ownership interest and it is accounted for under the equity method. </div> <div style="font-family: arial; font-size: 8pt; margin-top: 6pt; margin-bottom: 0pt; margin-left: 4%;text-indent: 0px;"><div style="font-family: arial; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The closing of the transaction increased the Bank’s CET1 capital ratio by approximately 15 basis points. </div></div>
0.203
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0.0015
The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell.
Represents cash and non-interest-bearing deposits with financial institutions (refer to Note 5).
Excludes debt investment securities measured at amortized cost of $23,722.
These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost.
Includes Share from associates, Employee benefits, Own credit risk, and Insurance contracts.
Includes interest income on financial assets measured at amortized cost and FVOCI, calculated using the effective interest method, of $12,848 for the three months ended April 30, 2026 (January 31, 2026 – $13,125; April 30, 2025 – $13,943) and for the six months ended April 30, 2026 – $25,973 (April 30, 2025 – $28,520).
Includes undistributed retained earnings of $77 (April 30, 2025 – $74) related to a foreign associated corporation, which is subject to local regulatory restriction.
Represents amounts on account of share-based payments (refer to Note 12).
Net of allowances of $3 (January 31, 2026 – $3; October 31, 2025 – $4).
Excludes debt investment securities measured at amortized cost of $21,988 (January 31, 2026 – $22,452).
Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2.
These amounts represent the gains and losses from fair value changes of Level 3 instruments still held at the end of the period that are recorded in the Consolidated Statement of Income.
Certain unrealized gains and losses on interest rate derivative contracts are largely offset by mark-to-market changes on embedded derivatives on certain deposit liabilities in the Consolidated Statement of Income.
Certain unrealized gains and losses on derivative assets and liabilities are largely offset by mark-to-market changes on other instruments included in trading revenues in the Consolidated Statement of Income, since these instruments act as an economic hedge to certain derivative assets and liabilities.
Changes in fair value attributable to changes in the Bank’s own credit risk are recorded in other comprehensive income. Other changes in fair value are recorded in non-interest income – trading revenues. The offsetting fair value changes from associated derivatives is also recorded in non-interest income – trading revenues.
Change in the difference between the contractual maturity amount and the carrying value.
The cumulative change in fair value is measured from the instrument’s date of initial recognition.
Interest income recognized on impaired loans during the three months ended April 30, 2026 was $29 (January 31, 2026 – $28; October 31, 2025 – $23).
Includes impact of divested operations.
Allowance for credit losses on off-balance sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position.
Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments.
Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position.
Excludes allowance for credit losses of $194 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
Excludes allowance for credit losses of $191 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
Excludes amounts associated with other assets of $(5). The provision for credit losses, net of these amounts, is $2,393.
Excludes amounts associated with other assets and reversal of impairment losses of $(18). The provision for credit losses, net of these amounts, is $2,560.
Excludes allowance for credit losses of $192 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
Balances are net of allowances, which are $2 (January 31, 2026 – $1; October 31, 2025 – $1).
The cumulative change in fair value is measured from the instruments’ date of initial recognition.
Includes the loss related to the sale of the banking operations in Colombia, Costa Rica and Panama. Refer to Note 19 for further details.
Includes the impairment loss related to the announced sale of the banking operations in Colombia, Costa Rica and Panama. Refer to Note 19 for further details.
Stage 3 includes purchased or originated credit-impaired loans.
Loans up to 30 days past due are not presented in this analysis as they are not administratively considered past due.
All loans that are over 90 days past due are considered impaired with the exception of credit card receivables which are considered impaired when 180 days past due.
Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category.
Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets.
Includes income from associated corporations for Canadian Banking – $(9), International Banking – $48, and Other – $150.
Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $(2), International Banking – $38, and Other – $123.
Includes income from associated corporations for Canadian Banking – $(11), International Banking – $113, and Other – $309.
Other plans operated by certain subsidiaries of the Bank are not considered material and are not included in this note.
This measure has been disclosed in this document in accordance with OSFI Guideline – Total Loss Absorbing Capacity (September 2018).
The Q1 2026 and Q2 2026 regulatory capital ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2025). The prior period regulatory capital ratios were based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2023).
Changes in discount rates and return on plan assets are reviewed and updated on a quarterly basis. In the absence of legislated changes, all other assumptions are updated annually.
The leverage ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Leverage Requirements (February 2023).
Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure.
Based on the quoted price on the New York Stock Exchange, the market value of the Bank’s Investment in KeyCorp was $4,793 (January 31, 2026 – $4,742; October 31, 2025 – $4,018). The Bank has significant influence over KeyCorp through a combination of its ownership interest and board representation. During the period, dividends received from KeyCorp of $46 were recognized as a reduction in the carrying value of the investment in associate.
All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments.
The majority of foreign term deposits are in excess of $100,000.
On December 1, 2025, the Bank completed the sale of its banking operations in Colombia, Costa Rica and Panama to Davivienda Group S.A. in exchange for 20.3% ownership interest in the combined Davivienda Group S.A. The Bank’s ownership consists of 14.99% voting common shares and the remainder in non-voting preferred shares. There is no quoted market price for the common shares. Following the closing, the investment was recognized at a fair value of $1,370 million as the Bank has significant influence over Davivienda Group S.A. given its board representation and ownership interest. Refer to Note 19 for further details.
Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $591 (January 31, 2026 – $591; October 31, 2025 – $617). The Bank has significant influence over the Bank of Xi’an Co. Ltd. through a combination of its ownership interest and board representation.
The local regulator requires financial institutions to set aside reserves for general banking risks. These reserves are not required under IFRS, and represent undistributed retained earnings related to a foreign associated corporation, which are subject to local regulatory restrictions. As of April 30, 2026, these reserves amounted to $77 (January 31, 2026 - $76; October 31, 2025 – $76).
Represents the date of the most recent financial statements.
Deposits payable after notice include all deposits for which the Bank may require notice of withdrawal, generally savings accounts.
Includes income from associated corporations for Canadian Banking – $(2), International Banking – $65, and Other – $159.
Card revenues and Banking services fees are mainly earned in Canadian Banking and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets.
Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $22, International Banking – $73, and Other – $177.
Deposits denominated in U.S. dollars amount to $317,453 (January 31, 2026 – $310,021 ; October 31, 2025 – $297,065), deposits denominated in Chilean pesos amount to $20,300 (January 31, 2026 – $20,881; October 31, 2025 – $20,053), deposits denominated in Mexican pesos amount to $36,731 (January 31, 2026 – $35,542; October 31, 2025 – $35,941) and deposits denominated in other foreign currencies amount to $109,608 (January 31, 2026 – $110,665; October 31, 2025 – $117,530).
Deposits payable on demand include all deposits for which the Bank may not have the right to notice of withdrawal, generally chequing accounts.
Certain options were not included in the calculation of diluted earnings per share as they were anti-dilutive.
Represents principal amount owed net of write-offs.
Earnings per share calculations are based on full dollar and share amounts.
The interest income/expense on financial assets/liabilities are calculated using the effective interest method.
Includes dividend income on equity securities.
Includes interest on lease liabilities for the three months ended April 30, 2026 – $39 (January 31, 2026 – $31; April 30, 2025 – $31) and for the six months ended April 30, 2026 – $70 (April 30, 2025 – $63) and insurance finance expense for the three months ended April 30, 2026 – $8 (January 31, 2026 – $8; April 30, 2025 – $9) and for the six months ended April 30, 2026 – $16 (April 30, 2025 – $17).